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<SEC-DOCUMENT>0000718940-05-000014.txt : 20050311
<SEC-HEADER>0000718940-05-000014.hdr.sgml : 20050311
<ACCEPTANCE-DATETIME>20050311143315
ACCESSION NUMBER:		0000718940-05-000014
CONFORMED SUBMISSION TYPE:	6-K
PUBLIC DOCUMENT COUNT:		7
CONFORMED PERIOD OF REPORT:	20050311
FILED AS OF DATE:		20050311
DATE AS OF CHANGE:		20050311

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			BCE INC
		CENTRAL INDEX KEY:			0000718940
		STANDARD INDUSTRIAL CLASSIFICATION:	TELEPHONE COMMUNICATIONS (NO RADIO TELEPHONE) [4813]
		IRS NUMBER:				99999999
		STATE OF INCORPORATION:			A8
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		6-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-08481
		FILM NUMBER:		05675083

	BUSINESS ADDRESS:	
		STREET 1:		1000 DE LA GAUCHETIERE OUEST
		STREET 2:		BUREAU 4100 MONTREAL
		CITY:			QUEBEC CANADA
		STATE:			A8
		ZIP:			H3B 4Y7
		BUSINESS PHONE:		5143977000

	MAIL ADDRESS:	
		STREET 1:		1000 DE LA GAUCHETIERE OUEST
		STREET 2:		BUREAU 4100 MONTREAL
		CITY:			QUEBEC CANADA
		STATE:			A8
		ZIP:			H3B 4Y7

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	BELL CANADA ENTERPRISES INC
		DATE OF NAME CHANGE:	19880111
</SEC-HEADER>
<DOCUMENT>
<TYPE>6-K
<SEQUENCE>1
<FILENAME>bceform6karticles.htm
<DESCRIPTION>BCE INC. CONSTATING DOCUMENTS
<TEXT>
<HTML>
<HEAD>
<TITLE>AutoCoded Document</TITLE>
</HEAD>
<BODY>
<p>&nbsp;</p>
<P ALIGN="center">&nbsp;</P>
<p>&nbsp;</p>
<p align="center"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><font size="4">SECURITIES
  AND EXCHANGE COMMISSION</font><br>
  WASHINGTON, D.C. 20549</B><br>
  </FONT></p>
<P ALIGN="center"><FONT size="4" FACE="Arial, Helvetica, sans-serif"><B>FORM 6-K</B></FONT></P>
<p>&nbsp;</p>
<p>&nbsp; </p>
<P ALIGN="center"><FONT SIZE="2" face="Arial, Helvetica, sans-serif"><B>REPORT
  OF FOREIGN PRIVATE ISSUER </B></FONT></P>
<P ALIGN="center"><font size="2" face="Arial, Helvetica, sans-serif">Pursuant
  to Rule 13a-16 or 15d-16 under<br>
  the Securities Exchange Act of 1934</font></P>
<P ALIGN="center">&nbsp;</P>
<table width="94%" border="0">
  <tr>
    <td width="53%"><font size="2" face="Arial, Helvetica, sans-serif">For the
      month of: <b>March 2005</b></font></td>
    <td width="47%"><div align="right"><font size="2" face="Arial, Helvetica, sans-serif">Commission
        File Number: <b>1-8481</b></font></div></td>
  </tr>
</table>
<P ALIGN="center">&nbsp; </P>
<P ALIGN="center"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B>BCE Inc.<br>
  </B><I>(Translation of Registrant&#146;s name into English)</I></FONT></P>
<font size="2" face="Arial, Helvetica, sans-serif">
<!-- MARKER FORMAT-SHEET="Para Flush" -->
</font>
<P ALIGN="center"><FONT SIZE="2" face="Arial, Helvetica, sans-serif"><B>1000,
  rue de La Gaucheti&egrave;re Ouest, Bureau 3700, Montr&eacute;al, Qu&eacute;bec
  H3B 4Y7, (514) 397-7000<br>
  </B><I>(Address of principal executive offices)</I></FONT></P>
<P ALIGN="LEFT">&nbsp;</P>
<blockquote>
  <p align="LEFT"><FONT size="2" FACE="Arial, Helvetica, sans-serif"> Indicate
    by check mark whether the Registrant files or will file annual reports under
    cover of Form 20-F or Form 40-F.</FONT> </P>
</blockquote>
<table width="80%" border="0" cellpadding="0" cellspacing="0">
  <tr>
    <td width="10%" align="right">&nbsp;</td>
    <td width="32%" align="right"><font size="2" face="Arial, Helvetica, sans-serif">Form
      20-F</font></td>
    <td width="8%"><font size="2" face="Arial, Helvetica, sans-serif"><br>
      </font> <hr align="left" width=100% size=1 noshade color=BLACK> </td>
    <td width="32%" align="right"><font size="2" face="Arial, Helvetica, sans-serif">Form
      40-F</font></td>
    <td width="9%" valign="bottom"><div align="center"><font size="2" face="Arial, Helvetica, sans-serif">X
        </font></div>
      <HR align="left" WIDTH=100% SIZE=1 NOSHADE COLOR=BLACK></td>
    <td width="9%" valign="bottom"> <div align="center"></div></td>
  </tr>
</table>
<p>&nbsp;</p>
<blockquote>
  <p align="LEFT"><FONT size="2" FACE="Arial, Helvetica, sans-serif">Indicate
    by check mark whether the Registrant by furnishing the information contained
    in this Form is also thereby furnishing the information to the Commission
    pursuant to Rule 12g3-2(b) under the Securities Exchange Act of 1934.</FONT>
  </p>
</blockquote>
<font size="2" face="Arial, Helvetica, sans-serif">
<!-- MARKER FORMAT-SHEET="Left Head Bold" -->
<A NAME="A006"></A> </font>
<table width="85%" border="0" cellpadding="0" cellspacing="0">
  <tr>
    <td width="20%" align="right">&nbsp;</td>
    <td width="18%" align="right"><font size="2" face="Arial, Helvetica, sans-serif">Yes</font></td>
    <td width="8%"><font size="2" face="Arial, Helvetica, sans-serif"><br>
      </font> <hr width=100% size=1 color=BLACK noshade> </td>
    <td width="27%" align="right"><font size="2" face="Arial, Helvetica, sans-serif">No</font></td>
    <td width="9%"> <div align="center"><font size="2" face="Arial, Helvetica, sans-serif">X
        </font></div>
      <HR WIDTH=100% SIZE=1 COLOR=BLACK NOSHADE></td>
    <td width="14%"> <div align="center"></div></td>
  </tr>
</table>
<P ALIGN="LEFT">&nbsp;</P>
<table width="96%" border="0" cellpadding="0" cellspacing="0">
  <tr>
    <td width="75%"> <blockquote>
        <p><font size="2" face="Arial, Helvetica, sans-serif">If "Yes" is marked,
          indicate below the file number assigned to the Registrant in connection
          with Rule 12g3-2(b): 82-_____.</font></p>
      </blockquote></td>
  </tr>
</table>
<P ALIGN="LEFT">&nbsp;</P>
<blockquote>
  <p align="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">Notwithstanding
    any reference to BCE&#146;s Web site on the World Wide Web in the documents
    attached hereto, the information contained in BCE&#146;s site or any other
    site on the World Wide Web referred to in BCE&#146;s site is not a part of
    this Form 6-K and, therefore, is not filed with the Securities and Exchange
    Commission.</FONT> </p>
</blockquote>
<p>&nbsp;</p>
<hr width="100%" size=4 color=GRAY noshade>
<p>&nbsp;</p><table width="99%" border="0">
  <tr>
    <td width="15%"><img src="bceartcanadaflag.jpg" width="50" height="31"></td>
    <td width="35%" valign="bottom"><font size="2" face="Arial, Helvetica, sans-serif">Industry
      Canada </font></td>
    <td width="50%" valign="bottom"><font size="2" face="Arial, Helvetica, sans-serif">Industrie
      Canada</font></td>
  </tr>
</table>
<p>&nbsp;</p>
<p>&nbsp;</p>
<table width="99%" border="0">
  <tr>
    <td width="15%">&nbsp;</td>
    <td width="35%"><strong><font size="2" face="Arial, Helvetica, sans-serif">Certificate</font></strong></td>
    <td width="10%">&nbsp;</td>
    <td width="40%"><strong><font size="2" face="Arial, Helvetica, sans-serif">Certificat</font></strong></td>
  </tr>
  <tr>
    <td width="15%">&nbsp;</td>
    <td width="35%"><strong><font size="2" face="Arial, Helvetica, sans-serif">of
      Amalgamation</font></strong></td>
    <td width="10%">&nbsp;</td>
    <td width="40%"><strong><font size="2" face="Arial, Helvetica, sans-serif">de
      fusion</font></strong></td>
  </tr>
  <tr>
    <td width="15%">&nbsp;</td>
    <td width="35%">&nbsp;</td>
    <td width="10%">&nbsp;</td>
    <td width="40%">&nbsp;</td>
  </tr>
  <tr>
    <td width="15%">&nbsp;</td>
    <td width="35%"><strong><font size="2" face="Arial, Helvetica, sans-serif">Canada
      Business</font></strong></td>
    <td width="10%">&nbsp;</td>
    <td width="40%"><strong><font size="2" face="Arial, Helvetica, sans-serif">Loi
      canadienne sur</font></strong></td>
  </tr>
  <tr>
    <td width="15%">&nbsp;</td>
    <td width="35%"><strong><font size="2" face="Arial, Helvetica, sans-serif">Corporations
      Act</font></strong></td>
    <td width="10%">&nbsp;</td>
    <td width="40%"><strong><font size="2" face="Arial, Helvetica, sans-serif">les
      soci&eacute;t&eacute;s par actions</font></strong></td>
  </tr>
</table>
<p>&nbsp;</p>
<p align="center"><img src="bceartcert.jpg" width="675" height="753"></p>
<p>&nbsp;</p>
<hr>
<p align="center">&nbsp;</p>
<table width="99%" border="0">
  <tr>
    <td width="20%"><strong><font size="2" face="Arial, Helvetica, sans-serif">Industry
      Canada</font></strong></td>
    <td width="25%"><strong><font size="2" face="Arial, Helvetica, sans-serif">Industrie
      Canada</font></strong></td>
    <td width="30%">
      <div align="center"><strong><font size="2" face="Arial, Helvetica, sans-serif">FORM
        9</font></strong></div></td>
    <td width="25%">
<div align="center"><strong><font size="2" face="Arial, Helvetica, sans-serif">FORMULE
        9 </font> </strong></div></td>
  </tr>
  <tr>
    <td width="20%">&nbsp;</td>
    <td width="25%">&nbsp;</td>
    <td width="30%">
      <div align="center"><strong><font size="2" face="Arial, Helvetica, sans-serif">ARTICLES
        OF AMALGAMATION</font></strong></div></td>
    <td width="25%">
<div align="center"><strong><font size="2" face="Arial, Helvetica, sans-serif">STATUTS
        DE FUSION</font></strong></div></td>
  </tr>
  <tr>
    <td width="20%"><strong><font size="2" face="Arial, Helvetica, sans-serif">Canada
      Business</font></strong></td>
    <td width="25%"><strong><font size="2" face="Arial, Helvetica, sans-serif">Loi
      canadienne sur les</font></strong></td>
    <td width="30%">
      <div align="center"><strong><font size="2" face="Arial, Helvetica, sans-serif">(SECTION
        185)</font></strong></div></td>
    <td width="25%">
<div align="center"><strong><font size="2" face="Arial, Helvetica, sans-serif">(ARTICLE
        185)</font></strong></div></td>
  </tr>
  <tr>
    <td width="20%"><strong><font size="2" face="Arial, Helvetica, sans-serif">Corporations
      Act</font></strong></td>
    <td width="25%"><strong><font size="2" face="Arial, Helvetica, sans-serif">soci&eacute;t&eacute;s
      par actions</font></strong></td>
    <td width="30%">
      <div align="center"></div></td>
    <td width="25%">
<div align="center"></div></td>
  </tr>
</table>
<p align="center">&nbsp;</p>
<table width="99%" border="0">
  <tr>
    <td colspan="2"><HR ALIGN=LEFT WIDTH=100% SIZE=1 NOSHADE></td>
  </tr>
  <tr>
    <td colspan="2"><font size="2" face="Arial, Helvetica, sans-serif"><strong>1.
      Name of the Amalgamated Corporation</strong></font></td>
  </tr>
  <tr>
    <td colspan="2">&nbsp;</td>
  </tr>
  <tr>
    <td colspan="2"><font size="2" face="Arial, Helvetica, sans-serif">BCE INC.
      </font></td>
  </tr>
  <tr>
    <td colspan="2">&nbsp;</td>
  </tr>
  <tr>
    <td colspan="2"><hr align=LEFT width=100% size=1 noshade></td>
  </tr>
  <tr>
    <td colspan="2"><font size="2" face="Arial, Helvetica, sans-serif"><strong>2.
      The province or territory in Canada where the registered office is to be
      situated</strong></font></td>
  </tr>
  <tr>
    <td colspan="2">&nbsp;</td>
  </tr>
  <tr>
    <td colspan="2"><font size="2" face="Arial, Helvetica, sans-serif">Province
      of Quebec</font></td>
  </tr>
  <tr>
    <td colspan="2">&nbsp;</td>
  </tr>
  <tr>
    <td colspan="2"><hr align=LEFT width=100% size=1 noshade></td>
  </tr>
  <tr>
    <td colspan="2"><font size="2" face="Arial, Helvetica, sans-serif"><strong>3.
      The classes and any maximum number of shares that the corporation is authorized
      to issue </strong> </font></td>
  </tr>
  <tr>
    <td colspan="2">&nbsp;</td>
  </tr>
  <tr>
    <td colspan="2"><font size="2" face="Arial, Helvetica, sans-serif">Set out
      in Schedule 1 annexed to and incorporated in these Restated Articles of
      Amalgamation</font></td>
  </tr>
  <tr>
    <td colspan="2">&nbsp;</td>
  </tr>
  <tr>
    <td colspan="2"><hr align=LEFT width=100% size=1 noshade></td>
  </tr>
  <tr>
    <td colspan="2"><font size="2" face="Arial, Helvetica, sans-serif"><strong>4.
      Restrictions, if any, on share transfers </strong></font> </td>
  </tr>
  <tr>
    <td colspan="2">&nbsp;</td>
  </tr>
  <tr>
    <td colspan="2"><font size="2" face="Arial, Helvetica, sans-serif">None</font></td>
  </tr>
  <tr>
    <td colspan="2">&nbsp;</td>
  </tr>
  <tr>
    <td colspan="2"><hr align=LEFT width=100% size=1 noshade></td>
  </tr>
  <tr>
    <td colspan="2"><font size="2" face="Arial, Helvetica, sans-serif"><strong>5.
      Number (or minimum and maximum number) of directors</strong></font></td>
  </tr>
  <tr>
    <td colspan="2">&nbsp;</td>
  </tr>
  <tr>
    <td colspan="2"><font size="2" face="Arial, Helvetica, sans-serif">Minimum
      of 5 and maximum of 20</font></td>
  </tr>
  <tr>
    <td colspan="2">&nbsp;</td>
  </tr>
  <tr>
    <td colspan="2"><hr align=LEFT width=100% size=1 noshade></td>
  </tr>
  <tr>
    <td colspan="2"><font size="2" face="Arial, Helvetica, sans-serif"><strong>6.
      Restrictions, if any, on business the corporation may carry on</strong></font></td>
  </tr>
  <tr>
    <td colspan="2">&nbsp;</td>
  </tr>
  <tr>
    <td colspan="2"><font size="2" face="Arial, Helvetica, sans-serif">None</font></td>
  </tr>
  <tr>
    <td colspan="2">&nbsp;</td>
  </tr>
  <tr>
    <td colspan="2"><hr align=LEFT width=100% size=1 noshade></td>
  </tr>
  <tr>
    <td colspan="2"><font size="2" face="Arial, Helvetica, sans-serif"><b>7. Other
      provisions, if any</b></font></td>
  </tr>
  <tr>
    <td colspan="2">&nbsp;</td>
  </tr>
  <tr>
    <td colspan="2"><div align="justify"><font size="2" face="Arial, Helvetica, sans-serif">Without
        in any way limiting the powers conferred upon the Corporation and its
        Directors by the <i>Canada Business Corporations Act</i>, the Board of
        Directors of the Corporation may, without authorization of the shareholders,
        from time to time on behalf of the Corporation in such amounts and on
        such terms as it deems expedient:</font> </div></td>
  </tr>
  <tr>
    <td colspan="2">&nbsp;</td>
  </tr>
  <tr>
    <td width="10%"><font size="2" face="Arial, Helvetica, sans-serif">a)</font></td>
    <td width="90%"><font size="2" face="Arial, Helvetica, sans-serif">borrow
      money upon the credit of the Corporation;</font> </td>
  </tr>
  <tr>
    <td colspan="2">&nbsp;</td>
  </tr>
</table>
<p><font size="2" face="Arial, Helvetica, sans-serif"> </font> <font size="2" face="Arial, Helvetica, sans-serif">
  </font> </p>
<hr>
<P ALIGN="LEFT">&nbsp;</P>
<table width="99%" border="0">
  <tr>
    <td width="10%"><font size="2" face="Arial, Helvetica, sans-serif">b)</font></td>
    <td width="90%"><font size="2" face="Arial, Helvetica, sans-serif">issue,
      reissue, sell or pledge debt obligations of the Corporation;</font> </td>
  </tr>
  <tr>
    <td width="10%">&nbsp;</td>
    <td width="90%">&nbsp;</td>
  </tr>
  <tr>
    <td width="10%" valign="top"><font size="2" face="Arial, Helvetica, sans-serif">c)</font></td>
    <td width="90%"><div align="justify"><font size="2" face="Arial, Helvetica, sans-serif">to
        the extent permitted by the <i>Canada Business </i> <i>Corporations Act</i>,
        give guarantees on behalf of the Corporation to secure performance of
        an obligation of any person; and</font> </div></td>
  </tr>
  <tr>
    <td width="10%" valign="top">&nbsp;</td>
    <td width="90%">&nbsp;</td>
  </tr>
  <tr>
    <td width="10%" valign="top"><font size="2" face="Arial, Helvetica, sans-serif">d)</font></td>
    <td width="90%"><div align="justify"><font size="2" face="Arial, Helvetica, sans-serif">charge,
        mortgage, hypothecate or pledge all or any of the currently owned or subsequently
        acquired real or personal, movable or immovable, property of the Corporation,
        including book debts, rights, powers, franchises and undertaking, to secure
        any debt obligations or any money borrowed or other debt or liability
        of the Corporation.</font> </div></td>
  </tr>
  <tr>
    <td width="10%">&nbsp;</td>
    <td width="90%">&nbsp;</td>
  </tr>
  <tr>
    <td colspan="2"><div align="justify"><font size="2" face="Arial, Helvetica, sans-serif">The
        Board of Directors may from time to time delegate to such one or more
        of the directors and officers of the Corporation as may be designated
        by the Board all or any of the powers conferred on the Board above to
        such extent and in such manner as the Board shall determine at the time
        of each such delegation.</font> </div></td>
  </tr>
  <tr>
    <td width="10%">&nbsp;</td>
    <td width="90%">&nbsp;</td>
  </tr>
  <tr>
    <td colspan="2"><div align="justify"><font size="2" face="Arial, Helvetica, sans-serif">Subject
        to the maximum number of directors authorized pursuant to the Articles
        of the Corporation, the Board of Directors may, in addition to filling
        vacancies as permitted by law, appoint one or more directors who shall
        hold office for a term expiring not later than the close of the next annual
        meeting of shareholders, but the total number of directors so appointed
        may not exceed one third of the number of directors elected at the previous
        annual meeting of shareholders.</font> </div></td>
  </tr>
  <tr>
    <td width="10%">&nbsp;</td>
    <td width="90%">&nbsp;</td>
  </tr>
  <tr>
    <td colspan="2"><div align="justify"><font size="2" face="Arial, Helvetica, sans-serif">The
        annual meeting of shareholders of the Corporation (whether or not also
        held as a special meeting) may be held outside Canada, in the following
        places:</font> </div></td>
  </tr>
  <tr>
    <td width="10%">&nbsp;</td>
    <td width="90%">&nbsp;</td>
  </tr>
</table>
<P ALIGN="LEFT"><font size="2" face="Arial, Helvetica, sans-serif"> </font> </P>
<hr>
<P ALIGN="LEFT">&nbsp;</P>
<font size="2" face="Arial, Helvetica, sans-serif"> </font>
<table width="99%" border="0">
  <tr>
    <td width="10%" valign="top"><font size="2" face="Arial, Helvetica, sans-serif">a)</font></td>
    <td width="90%"><div align="justify"><font size="2" face="Arial, Helvetica, sans-serif">the
        greater metropolitan area of any of the following cities in the United
        States of America: Boston (Massachusetts), Chicago (Illinois), Dallas
        (Texas), Denver (Colorado), Detroit (Michigan), Houston (Texas), Los Angeles
        (California), Miami (Florida), New York (New York), Philadelphia (Pennsylvania),
        San Francisco (California), Seattle (Washington), Washington (District
        of Columbia);</font> </div></td>
  </tr>
  <tr>
    <td width="10%" valign="top">&nbsp;</td>
    <td width="90%">&nbsp;</td>
  </tr>
  <tr>
    <td width="10%" valign="top"><font size="2" face="Arial, Helvetica, sans-serif">b)</font></td>
    <td width="90%"><font size="2" face="Arial, Helvetica, sans-serif">the greater
      metropolitan area of any other city in the United States of America which
      is the capital of any State of the United States of America;</font> </td>
  </tr>
  <tr>
    <td width="10%">&nbsp;</td>
    <td width="90%">&nbsp;</td>
  </tr>
  <tr>
    <td width="10%"><font size="2" face="Arial, Helvetica, sans-serif">c)</font></td>
    <td width="90%"><font size="2" face="Arial, Helvetica, sans-serif">the greater
      metropolitan area of any city which is the capital of any member-country
      of the European Union; or</font> </td>
  </tr>
  <tr>
    <td width="10%">&nbsp;</td>
    <td width="90%">&nbsp;</td>
  </tr>
  <tr>
    <td width="10%" valign="top"><font size="2" face="Arial, Helvetica, sans-serif">d)</font></td>
    <td width="90%"><div align="justify"><font size="2" face="Arial, Helvetica, sans-serif">to
        the extent permitted by the <i>Canada Business </i> <i>Corporations Act</i>,
        any other city outside Canada designated from time to time by the Board
        of Directors of the Corporation in connection with the then next annual
        meeting of shareholders.</font> </div></td>
  </tr>
</table>
<P ALIGN="LEFT">&nbsp;</P>
<HR ALIGN=LEFT WIDTH=100% SIZE=1 NOSHADE>
<font size="2" face="Arial, Helvetica, sans-serif"> <strong>8. The amalgamation
has been approved pursuant to that section or subsection of the Act which is indicted
as follows:</strong></font>
<P ALIGN="CENTER"><img src="bceartsec8box.jpg" width="99" height="82"></P>
<table width="99%" border="0">
  <tr>
    <td colspan="6"> <hr align=LEFT width=100% size=1 noshade> <div align="center"></div>
      <div align="center"></div>
      <div align="center"></div></td>
  </tr>
  <tr>
    <td width="25%"><strong><font size="2" face="Arial, Helvetica, sans-serif">9.
      Name of the</font></strong></td>
    <td width="15%"><div align="center"><font size="2" face="Arial, Helvetica, sans-serif"><strong>Corporation
        No.</strong></font></div></td>
    <td width="20%"><div align="center"><font size="2" face="Arial, Helvetica, sans-serif"><strong>Signature</strong></font></div></td>
    <td width="10%"><div align="center"><font size="2" face="Arial, Helvetica, sans-serif"><strong>Date</strong></font></div></td>
    <td width="15%"><div align="center"><font size="2" face="Arial, Helvetica, sans-serif"><strong>Title</strong></font></div></td>
    <td width="15%"><div align="center"><font size="2" face="Arial, Helvetica, sans-serif"><strong>Tel
        No.</strong></font></div></td>
  </tr>
  <tr>
    <td width="25%"><strong><font size="2" face="Arial, Helvetica, sans-serif">amalgamating
      corporations</font></strong></td>
    <td width="15%">&nbsp;</td>
    <td width="20%"><div align="center"></div></td>
    <td width="10%"><div align="center"></div></td>
    <td width="15%">&nbsp;</td>
    <td width="15%"><div align="center"></div></td>
  </tr>
  <tr>
    <td colspan="6"> <hr align=LEFT width=100% size=1 noshade> <div align="center"></div>
      <div align="center"></div>
      <div align="center"></div></td>
  </tr>
  <tr>
    <td width="25%" valign="top"><font size="2" face="Arial, Helvetica, sans-serif">BCE
      Inc. </font></td>
    <td width="15%" valign="top"><div align="center"><font size="2" face="Arial, Helvetica, sans-serif">384097-2</font></div></td>
    <td width="20%"><div align="center"><img src="bceartlindacatysign.jpg" width="132" height="33"></div></td>
    <td width="10%" valign="top"> <div align="center"><font size="2" face="Arial, Helvetica, sans-serif">07-29-04</font></div></td>
    <td width="15%"><font size="2" face="Arial, Helvetica, sans-serif">Corporate<br>
      Secretary <br>
      </font></td>
    <td width="15%" valign="top"> <div align="center"><font size="2" face="Arial, Helvetica, sans-serif">514-870-8144
        </font></div></td>
  </tr>
  <tr>
    <td colspan="6"> <hr align=LEFT width=100% size=1 noshade> <div align="center"></div>
      <div align="center"></div>
      <div align="center"></div></td>
  </tr>
  <tr>
    <td width="25%" valign="top"><font size="2" face="Arial, Helvetica, sans-serif">3787893
      Canada Inc. </font> </td>
    <td width="15%" valign="top"> <div align="center"><font size="2" face="Arial, Helvetica, sans-serif">
        378789-3</font></div></td>
    <td width="20%"><div align="center"><img src="bceartrubybarbersign.jpg" width="155" height="47"></div></td>
    <td width="10%" valign="top"> <div align="center"><font size="2" face="Arial, Helvetica, sans-serif">07-29-04</font></div></td>
    <td width="15%"><font size="2" face="Arial, Helvetica, sans-serif">Director,<br>
      President and <br>
      Secretary <br>
      </font></td>
    <td width="15%" valign="top"> <div align="center"><font size="2" face="Arial, Helvetica, sans-serif">416-353-4261
        </font></div></td>
  </tr>
  <tr>
    <td colspan="6"> <hr align=LEFT width=100% size=1 noshade> <div align="center"></div>
      <div align="center"></div>
      <div align="center"></div></td>
  </tr>
  <tr>
    <td valign="top"><font size="2" face="Arial, Helvetica, sans-serif">3787907
      Canada Inc. </font></td>
    <td valign="top"><div align="center"><font size="2" face="Arial, Helvetica, sans-serif">
        378790-7 </font></div></td>
    <td><div align="center"><img src="bceartrubybarbersign.jpg" width="155" height="47"></div></td>
    <td valign="top"> <div align="center"><font size="2" face="Arial, Helvetica, sans-serif">07-29-04</font></div></td>
    <td><font size="2" face="Arial, Helvetica, sans-serif">Director,<br>
      President and<br>
      Secretary <br>
      </font></td>
    <td valign="top"><div align="center"><font size="2" face="Arial, Helvetica, sans-serif">416-353-4261
        </font></div></td>
  </tr>
  <tr>
    <td colspan="6" valign="top"><hr align=LEFT width=100% size=1 noshade></td>
  </tr>
</table>
<p align="center"><img src="bceartdeptusebox.jpg" width="675" height="89"></p>
<p align="center">&nbsp;</p>
<hr>
<div align="center">
  <p>&nbsp;</p>
  <p><font face="Times New Roman, Times, Serif"><font size="3"><b><font face="Arial, Helvetica, sans-serif">BCE
    INC.</font></b></font></font><font face="Arial, Helvetica, sans-serif"><BR>
    </font></p>
</div>
<P ALIGN="center"><FONT FACE="Arial, Helvetica, sans-serif"><FONT SIZE="2"><B><u>INDEX
  TO SCHEDULE 1</u></B></FONT></FONT></P>
<P ALIGN="center">&nbsp;</P>
<table width="50%" border="0" align="center">
  <tr>
    <td width="12%"><div align="left"></div></td>
    <td colspan="2"><div align="left"></div></td>
    <td width="14%"><div align="right"><font face="Times New Roman, Times, Serif"><font size="2"><b><font face="Arial, Helvetica, sans-serif">Page</font></b></font></font></div></td>
  </tr>
  <tr>
    <td width="12%"><div align="left"></div></td>
    <td colspan="2"><div align="left"></div></td>
    <td width="14%"><div align="right"></div></td>
  </tr>
  <tr>
    <td width="12%"><div align="left"><font size="2" face="Arial, Helvetica, sans-serif">1.
        </font></div></td>
    <td colspan="2"><div align="left"><font size="2" face="Arial, Helvetica, sans-serif">Classes
        and Number of Shares</font></div></td>
    <td width="14%"><div align="right"><font size="2" face="Arial, Helvetica, sans-serif">1
        </font></div></td>
  </tr>
  <tr>
    <td>&nbsp;</td>
    <td colspan="2">&nbsp;</td>
    <td>&nbsp;</td>
  </tr>
  <tr>
    <td width="12%"><div align="left"><font size="2" face="Arial, Helvetica, sans-serif">2.
        </font></div></td>
    <td colspan="2"><div align="left"><font size="2" face="Arial, Helvetica, sans-serif">Common
        Shares</font></div></td>
    <td width="14%"><div align="right"><font size="2" face="Arial, Helvetica, sans-serif">2</font></div></td>
  </tr>
  <tr>
    <td>&nbsp;</td>
    <td colspan="2">&nbsp;</td>
    <td>&nbsp;</td>
  </tr>
  <tr>
    <td width="12%"><div align="left"><font size="2" face="Arial, Helvetica, sans-serif">3.
        </font></div></td>
    <td colspan="2"><div align="left"><font size="2" face="Arial, Helvetica, sans-serif">First
        Preferred Shares</font></div></td>
    <td width="14%"><div align="right"><font size="2" face="Arial, Helvetica, sans-serif">3</font></div></td>
  </tr>
  <tr>
    <td width="12%"><div align="left"></div></td>
    <td width="8%"><div align="left"><font size="2" face="Arial, Helvetica, sans-serif">3.6</font></div></td>
    <td width="66%"><font size="2" face="Arial, Helvetica, sans-serif">Series
      K Preferred Shares</font></td>
    <td width="14%"><div align="right"><font size="2" face="Arial, Helvetica, sans-serif">3</font></div></td>
  </tr>
  <tr>
    <td width="12%"><div align="left"></div></td>
    <td><div align="left"><font size="2" face="Arial, Helvetica, sans-serif">3.7</font></div></td>
    <td><font size="2" face="Arial, Helvetica, sans-serif">Series L Preferred
      Shares</font></td>
    <td width="14%"><div align="right"><font size="2" face="Arial, Helvetica, sans-serif">8</font></div></td>
  </tr>
  <tr>
    <td width="12%"><div align="left"></div></td>
    <td><div align="left"><font size="2" face="Arial, Helvetica, sans-serif">3.8
        &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</font></div></td>
    <td><font size="2" face="Arial, Helvetica, sans-serif">Series P Preferred
      Shares</font></td>
    <td width="14%"><div align="right"><font size="2" face="Arial, Helvetica, sans-serif">29</font></div></td>
  </tr>
  <tr>
    <td width="12%"><div align="left"></div></td>
    <td><div align="left"><font size="2" face="Arial, Helvetica, sans-serif">3.9
        &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</font></div></td>
    <td><font size="2" face="Arial, Helvetica, sans-serif">Series Q Preferred
      Shares</font></td>
    <td width="14%"><div align="right"><font size="2" face="Arial, Helvetica, sans-serif">35</font></div></td>
  </tr>
  <tr>
    <td width="12%"><div align="left"></div></td>
    <td><div align="left"><font size="2" face="Arial, Helvetica, sans-serif">3.10&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</font></div></td>
    <td><font size="2" face="Arial, Helvetica, sans-serif">Series R Preferred
      Shares</font></td>
    <td width="14%"><div align="right"><font size="2" face="Arial, Helvetica, sans-serif">44</font></div></td>
  </tr>
  <tr>
    <td width="12%"><div align="left"></div></td>
    <td><div align="left"><font size="2" face="Arial, Helvetica, sans-serif">3.11&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</font></div></td>
    <td><font size="2" face="Arial, Helvetica, sans-serif">Series S Preferred
      Shares</font></td>
    <td width="14%"><div align="right"><font size="2" face="Arial, Helvetica, sans-serif">50</font></div></td>
  </tr>
  <tr>
    <td width="12%"><div align="left"></div></td>
    <td><div align="left"><font size="2" face="Arial, Helvetica, sans-serif">3.12&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</font></div></td>
    <td><font size="2" face="Arial, Helvetica, sans-serif">Series T Preferred
      Shares</font></td>
    <td width="14%"><div align="right"><font size="2" face="Arial, Helvetica, sans-serif">59</font></div></td>
  </tr>
  <tr>
    <td width="12%"><div align="left"></div></td>
    <td><div align="left"><font size="2" face="Arial, Helvetica, sans-serif">3.13&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</font></div></td>
    <td><font size="2" face="Arial, Helvetica, sans-serif">Series U Preferred
      Shares</font></td>
    <td width="14%"><div align="right"><font size="2" face="Arial, Helvetica, sans-serif">65</font></div></td>
  </tr>
  <tr>
    <td width="12%"><div align="left"></div></td>
    <td><div align="left"><font size="2" face="Arial, Helvetica, sans-serif">3.14&nbsp;&nbsp;&nbsp;&nbsp;</font></div></td>
    <td><font size="2" face="Arial, Helvetica, sans-serif">Series V Preferred
      Shares</font></td>
    <td width="14%"><div align="right"><font size="2" face="Arial, Helvetica, sans-serif">77</font></div></td>
  </tr>
  <tr>
    <td width="12%"><div align="left"></div></td>
    <td><div align="left"><font size="2" face="Arial, Helvetica, sans-serif">3.15&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</font></div></td>
    <td><font size="2" face="Arial, Helvetica, sans-serif">Series W Preferred
      Shares</font></td>
    <td width="14%"><div align="right"><font size="2" face="Arial, Helvetica, sans-serif">84</font></div></td>
  </tr>
  <tr>
    <td width="12%"><div align="left"></div></td>
    <td><div align="left"><font size="2" face="Arial, Helvetica, sans-serif">3.16&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</font></div></td>
    <td><font size="2" face="Arial, Helvetica, sans-serif">Series X Preferred
      Shares</font></td>
    <td width="14%"><div align="right"><font size="2" face="Arial, Helvetica, sans-serif">96</font></div></td>
  </tr>
  <tr>
    <td width="12%"><div align="left"></div></td>
    <td><div align="left"><font size="2" face="Arial, Helvetica, sans-serif">3.17&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</font></div></td>
    <td><font size="2" face="Arial, Helvetica, sans-serif">Series Y Preferred
      Shares</font></td>
    <td width="14%"><div align="right"><font size="2" face="Arial, Helvetica, sans-serif">103</font></div></td>
  </tr>
  <tr>
    <td width="12%"><div align="left"></div></td>
    <td><div align="left"><font size="2" face="Arial, Helvetica, sans-serif">3.18&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</font></div></td>
    <td><font size="2" face="Arial, Helvetica, sans-serif">Series Z Preferred
      Shares</font></td>
    <td width="14%"><div align="right"><font size="2" face="Arial, Helvetica, sans-serif">113</font></div></td>
  </tr>
  <tr>
    <td width="12%"><div align="left"></div></td>
    <td><div align="left"><font size="2" face="Arial, Helvetica, sans-serif">3.19&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</font></div></td>
    <td><font size="2" face="Arial, Helvetica, sans-serif">Series AA Preferred
      Shares</font></td>
    <td width="14%"><div align="right"><font size="2" face="Arial, Helvetica, sans-serif">119</font></div></td>
  </tr>
  <tr>
    <td width="12%"><div align="left"></div></td>
    <td><div align="left"><font size="2" face="Arial, Helvetica, sans-serif">3.20&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</font></div></td>
    <td><font size="2" face="Arial, Helvetica, sans-serif">Series AB Preferred
      Shares</font></td>
    <td width="14%"><div align="right"><font size="2" face="Arial, Helvetica, sans-serif">126</font></div></td>
  </tr>
  <tr>
    <td width="12%"><div align="left"></div></td>
    <td><div align="left"><font size="2" face="Arial, Helvetica, sans-serif">3.21&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</font></div></td>
    <td><font size="2" face="Arial, Helvetica, sans-serif">Series AC Preferred
      Shares</font></td>
    <td width="14%"><div align="right"><font size="2" face="Arial, Helvetica, sans-serif">136</font></div></td>
  </tr>
  <tr>
    <td width="12%"><div align="left"></div></td>
    <td><div align="left"><font size="2" face="Arial, Helvetica, sans-serif">3.22&nbsp;&nbsp;&nbsp;&nbsp;</font></div></td>
    <td><font size="2" face="Arial, Helvetica, sans-serif">Series AD Preferred
      Shares</font></td>
    <td width="14%"><div align="right"><font size="2" face="Arial, Helvetica, sans-serif">144</font></div></td>
  </tr>
  <tr>
    <td>&nbsp;</td>
    <td colspan="2">&nbsp;</td>
    <td>&nbsp;</td>
  </tr>
  <tr>
    <td width="12%"><div align="left"><font size="2" face="Arial, Helvetica, sans-serif">4.
        </font></div></td>
    <td colspan="2"><div align="left"><font size="2" face="Arial, Helvetica, sans-serif">Second
        Preferred Shares</font></div></td>
    <td width="14%"><div align="right"><font size="2" face="Arial, Helvetica, sans-serif">153</font></div></td>
  </tr>
  <tr>
    <td width="12%"><div align="left"></div></td>
    <td><div align="left"><font size="2" face="Arial, Helvetica, sans-serif">4.6&nbsp;&nbsp;&nbsp;&nbsp;</font></div></td>
    <td><font size="2" face="Arial, Helvetica, sans-serif">Series One</font></td>
    <td width="14%"><div align="right"><font size="2" face="Arial, Helvetica, sans-serif">154</font></div></td>
  </tr>
  <tr>
    <td width="12%"><div align="left"></div></td>
    <td><div align="left"><font size="2" face="Arial, Helvetica, sans-serif">4.7&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</font></div></td>
    <td><font size="2" face="Arial, Helvetica, sans-serif">Series Two</font></td>
    <td width="14%"><div align="right"><font size="2" face="Arial, Helvetica, sans-serif">156</font></div></td>
  </tr>
  <tr>
    <td>&nbsp;</td>
    <td><font size="2" face="Arial, Helvetica, sans-serif">4.8&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</font></td>
    <td><font size="2" face="Arial, Helvetica, sans-serif">Series Three</font></td>
    <td><div align="right"><font size="2" face="Arial, Helvetica, sans-serif">158</font></div></td>
  </tr>
  <tr>
    <td>&nbsp;</td>
    <td colspan="2">&nbsp;</td>
    <td>&nbsp;</td>
  </tr>
  <tr>
    <td><font size="2" face="Arial, Helvetica, sans-serif">5. </font></td>
    <td colspan="2"><font size="2" face="Arial, Helvetica, sans-serif">Class B
      Shares</font></td>
    <td><div align="right"><font size="2" face="Arial, Helvetica, sans-serif">160
        </font> </div></td>
  </tr>
</table>
<P ALIGN="left"></P>
<p>&nbsp;</p>
<hr>
<div align="left"></div>
<P ALIGN="center"><FONT size="6" FACE="Arial, Helvetica, sans-serif"><B>SCHEDULE
  1</B></FONT></P>
<P ALIGN="center"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B>TO THE
  ARTICLES OF AMALGAMATION</B></FONT></P>
<P ALIGN="center"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B>OF</B></FONT></P>
<P ALIGN="center"><FONT size="5" FACE="Arial, Helvetica, sans-serif"><B>BCE INC.</B></FONT></P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B>1.<I></I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B><B>CLASSES
  AND NUMBER OF SHARES</B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  The classes and any maximum number of shares that the Corporation is authorized
  to issue are as follows:</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;an unlimited number of common shares (herein referred to as the &#147;Common
  Shares&#148;);</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;an unlimited number of first preferred shares (herein referred to as the
  &#147;First Preferred Shares&#148;) of which:</FONT> </P>
<div align="justify">
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(i)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          3,520,000 consist of a series designated as Cumulative Redeemable First
          Preferred Shares, Series K (the &#147;Series K Preferred Shares&#148;);
          and</FONT> </P></TD>
    </TR>
  </TABLE>
  <font size="2" face="Arial, Helvetica, sans-serif"><BR>
  </font>
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(ii)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          176 consist of a series designated as Cumulative Redeemable First Preferred
          Shares, Series L (the &#147;Series L Preferred Shares&#148;); and</FONT>
        </P></TD>
    </TR>
  </TABLE>
  <font size="2" face="Arial, Helvetica, sans-serif"><BR>
  </font>
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(iii)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          16,000,000 consist of a series designated as $1.60 Cumulative Redeemable
          First Preferred Shares, Series P (the &#147;Series P Preferred Shares&#148;);
          and</FONT> </P></TD>
    </TR>
  </TABLE>
  <font size="2" face="Arial, Helvetica, sans-serif"><BR>
  </font>
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(iv)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          8,000,000 consist of a series designated as Cumulative Redeemable First
          Preferred Shares, Series Q (the &#147;Series Q Preferred Shares&#148;);
          and</FONT> </P></TD>
    </TR>
  </TABLE>
  <font size="2" face="Arial, Helvetica, sans-serif"><BR>
  </font>
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(v)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          8,000,000 consist of a series designated as Cumulative Redeemable First
          Preferred Shares, Series R (the &#147;Series R Preferred Shares&#148;);
          and</FONT> </P></TD>
    </TR>
  </TABLE>
  <font size="2" face="Arial, Helvetica, sans-serif"><BR>
  </font>
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(vi)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          8,000,000 consist of a series designated as Cumulative Redeemable First
          Preferred Shares, Series S (the &#147;Series S Preferred Shares&#148;);
          and</FONT> </P></TD>
    </TR>
  </TABLE>
  <font size="2" face="Arial, Helvetica, sans-serif"><BR>
  </font>
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(vii)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          8,000,000 consist of a series designated as Cumulative Redeemable First
          Preferred Shares, Series T (the &#147;Series T Preferred Shares&#148;);
          and</FONT> </P></TD>
    </TR>
  </TABLE>
  <font size="2" face="Arial, Helvetica, sans-serif"><BR>
  </font>
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(viii)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          22,000,000 consist of a series designated as Cumulative Redeemable First
          Preferred Shares, Series U (the &#147;Series U Preferred Shares&#148;);
          and</FONT> </P></TD>
    </TR>
  </TABLE>
  <font size="2" face="Arial, Helvetica, sans-serif"><BR>
  </font>
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(ix)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          22,000,000 consist of a series designated as Cumulative Redeemable First
          Preferred Shares, Series V (the &#147;Series V Preferred Shares&#148;);
          and</FONT> </P></TD>
    </TR>
  </TABLE>
  <br>
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(x)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          20,000,000 consist of a series designated as Cumulative Redeemable First
          Preferred Shares, Series W (the &#147;Series W Preferred Shares&#148;);
          <b></b>and</FONT> </P></TD>
    </TR>
  </TABLE>
  <br>
  <div align="justify">
    <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
      <TR VALIGN="TOP">
        <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(xi)</FONT></TD>
        <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
        <TD WIDTH="91%"><P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
            20,000,000 consist of a series designated as Cumulative Redeemable
            First Preferred Shares, Series X (the &#147;Series X Preferred Shares&#148;);
            and</FONT> </P></TD>
      </TR>
    </TABLE>
    <font size="2" face="Arial, Helvetica, sans-serif"><BR>
    </font>
    <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
      <TR VALIGN="TOP">
        <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(xii)</FONT></TD>
        <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
        <TD WIDTH="91%"><P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
            10,000,000 consist of a series designated as Cumulative Redeemable
            First Preferred Shares, Series Y (the &#147;Series Y Preferred Shares&#148;);</FONT>
          </P></TD>
      </TR>
    </TABLE>
    <font size="2" face="Arial, Helvetica, sans-serif"><BR>
    </font>
    <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
      <TR VALIGN="TOP">
        <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(xiii)</FONT></TD>
        <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
        <TD WIDTH="91%"><P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">10,000,000
            consist of a series designated as Cumulative Redeemable First Preferred
            Shares, Series Z (the &#147;Series Z Preferred Shares&#148;);</font>
            <FONT size="2" FACE="Arial, Helvetica, sans-serif"> </FONT> </P></TD>
      </TR>
    </TABLE>
    <p>&nbsp;</p>
    <hr>
    <p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;2&#150;</font></p>
    <p>&nbsp;</p>
    <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
      <TR VALIGN="TOP">
        <TD ALIGN="RIGHT" WIDTH="6%"><font size="2" face="Arial, Helvetica, sans-serif">(xiv)</font></TD>
        <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
        <TD WIDTH="91%"><P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">20,000,000
            consist of a series designated as Cumulative Redeemable First Preferred
            Shares, Series AA (the &#147;Series AA Preferred Shares&#148;);</font>
            <FONT size="2" FACE="Arial, Helvetica, sans-serif"> </FONT> </P></TD>
      </TR>
    </TABLE>
    <br>
    <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
      <TR VALIGN="TOP">
        <TD ALIGN="RIGHT" WIDTH="6%"><font size="2" face="Arial, Helvetica, sans-serif">(xv)</font></TD>
        <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
        <TD WIDTH="91%"><P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">20,000,000
            consist of a series designated as Cumulative Redeemable First Preferred
            Shares, Series AB (the &#147;Series AB Preferred Shares&#148;);</font>
            <FONT size="2" FACE="Arial, Helvetica, sans-serif"> </FONT> </P></TD>
      </TR>
    </TABLE>
    <br>
    <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
      <TR VALIGN="TOP">
        <TD ALIGN="RIGHT" WIDTH="6%"><font size="2" face="Arial, Helvetica, sans-serif">(xvi)</font></TD>
        <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
        <TD WIDTH="91%"><P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">20,000,000
            consist of a series designated as Cumulative Redeemable First Preferred
            Shares, Series AC (the &#147;Series AC Preferred Shares&#148;); and</font>
            <FONT size="2" FACE="Arial, Helvetica, sans-serif"> </FONT> </P></TD>
      </TR>
    </TABLE>
    <br>
    <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
      <TR VALIGN="TOP">
        <TD ALIGN="RIGHT" WIDTH="6%"><font size="2" face="Arial, Helvetica, sans-serif">(xvii)</font></TD>
        <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
        <TD WIDTH="91%"><P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">20,000,000
            consist of a series designated as Cumulative Redeemable First Preferred
            Shares, Series AD (the &#147;Series AD Preferred Shares&#148;);</font>
            <FONT size="2" FACE="Arial, Helvetica, sans-serif"> </FONT> </P></TD>
      </TR>
    </TABLE>
    <p><FONT size="2" FACE="Arial, Helvetica, sans-serif">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
      &nbsp;an unlimited number of second preferred shares (herein referred to
      as the &#147;Second Preferred Shares&#148;) of which:</FONT> </p>
  </div>
  <div align="justify">
    <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
      <TR VALIGN="TOP">
        <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(i)</FONT></TD>
        <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
        <TD WIDTH="91%"><P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
            an unlimited number consist of a series designated as Cumulative Redeemable
            Voting Second Preferred Shares, Series One (the &#147;Second Preferred
            Shares, Series One&#148;);</FONT> </P></TD>
      </TR>
    </TABLE>
    <font size="2" face="Arial, Helvetica, sans-serif"><BR>
    </font>
    <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
      <TR VALIGN="TOP">
        <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(ii)</FONT></TD>
        <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
        <TD WIDTH="91%"><P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
            an unlimited number consist of a series designated as Cumulative Redeemable
            Voting Second Preferred Shares,</FONT> <font size="2" face="Arial, Helvetica, sans-serif">Series
            Two (the &#147;Second Preferred Shares, Series Two&#148;); and</font></P></TD>
      </TR>
    </TABLE>
    <font size="2" face="Arial, Helvetica, sans-serif"><BR>
    </font>
    <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
      <TR VALIGN="TOP">
        <TD ALIGN="RIGHT" WIDTH="6%"><font size="2" face="Arial, Helvetica, sans-serif">(iii)</font></TD>
        <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
        <TD WIDTH="91%"><P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">an
            unlimited number consist of a series designated as Cumulative Redeemable
            Participating Voting Second Preferred Shares, Series Three (the &#147;Second
            Preferred Shares, Series Three&#148;); and</font> <FONT size="2" FACE="Arial, Helvetica, sans-serif">
            </FONT></P></TD>
      </TR>
    </TABLE>
    <font size="2" face="Arial, Helvetica, sans-serif"> </font> </div>
  <P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    &nbsp;an unlimited number of Class B shares (herein referred to as the &#147;Class
    B Shares&#148;).</FONT> </P>
  <P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    The rights, privileges, restrictions and conditions attaching to each said
    class of shares and each said series of shares of the Corporation are set
    out hereinafter.</font> </P>
  <P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B>2.<I></I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B><B>COMMON
    SHARES</B></FONT></P>
  <P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
    rights, privileges, restrictions and conditions attaching to the Common Shares
    are as follows:</font> </P>
  <P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B>2.1</B><B><I></I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B>The
    holders thereof are entitled to one vote for each share held on all matters
    voted on by shareholders except matters on which only the holders of another
    specified class or series of shares are entitled to vote.</FONT> </P>
  <P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B>2.2</B><B><I></I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B>Subject
    to the rights, privileges, restrictions and conditions attaching to shares
    of any class of the Corporation ranking prior to the Common Shares, the holders
    thereof are entitled to receive such dividends payable in money, property,
    or by the issue of fully paid shares of the Corporation, as may be declared
    by the Board of Directors and to receive the remaining property of the Corporation
    upon the liquidation, dissolution or winding up thereof.</FONT> </P>
  <P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B>2.3</B><B><I></I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B>The
    Directors of the Corporation may determine at any time and from time to time,
    with respect to all or a portion of any dividend on the Common Shares of the
    Corporation that such dividend shall be payable in money or, in the case of
    electing holders whose addresses on the books of the Corporation are in Canada,
    and in jurisdictions specified by the Directors outside Canada, by the issue
    of fully paid Common Shares of the Corporation having a value, as determined
    by the Directors, that is substantially equivalent, as of a date or period
    of days determined by the Directors, to the cash amount of such dividend,
    provided that the Directors may (but need not) value the Common Shares to
    be issued in payment of the dividend at a discount from or premium to the
    relevant market value thereof of up to 5%, in either case.</FONT> </P>
  <P ALIGN="justify">&nbsp;</P>
  <hr>
  <p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;3&#150;</font></p>
  <P ALIGN="justify">&nbsp;</P>
  <P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B>2.4</B><B><I></I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B>With
    respect to fractional shares that may result from any such stock dividend
    the Corporation shall issue to an agent for shareholders appointed by the
    Corporation a number of whole shares representing in the aggregate the fractional
    shares of all electing shareholders unless the Directors of the Corporation
    otherwise determine, for instance by the payment of cash in lieu of fraction
    of share interests that may result from any such stock dividend. In any event,
    no certificates representing fraction of share interests will be issued by
    the Corporation.</FONT> </P>
  <P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B>3.</B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>FIRST
    PREFERRED SHARES</B></FONT></P>
  <P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
    First Preferred Shares shall have attached thereto, as a class, the following
    rights, privileges, restrictions and conditions:</font> </P>
  <P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B>3.1</B><B><I></I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B>The
    Directors of the Corporation may at any time and from time to time issue one
    or more series of First Preferred Shares, each series thereof to consist of
    such number of shares and to be of such price as may before the issue be determined
    by resolution of the Directors.</FONT> </P>
  <P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B>3.2</B><B><I></I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B>The
    Directors may by resolution fix from time to time the designation, rights,
    privileges, restrictions and conditions attaching to the First Preferred Shares
    of each series, including, without limiting the generality of the foregoing,
    the right to preferential dividends, the dates of payment thereof, the redemption
    or purchase prices, if any, and terms and conditions of redemption or purchase,
    any voting rights, the rights or convertibility or exchange, if any, into
    other securities (including shares) of the Corporation or any other body corporate
    and any sinking fund or other provisions.</FONT> </P>
  <P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B>3.3</B><B><I></I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B>The
    First Preferred Shares of all series shall rank on a parity with each other
    and in priority to all other shares of the Corporation with respect to payment
    of dividends and with respect to distribution of assets in the event of liquidation,
    dissolution or winding up of the Corporation, whether voluntary or involuntary,
    or any other distribution of assets for the purpose of winding up its affairs.</FONT>
  </P>
  <P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B>3.4</B><B><I></I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B>Except
    as otherwise provided in section 3.5 hereof or in the provisions attaching
    to any First Preferred Shares as a series, the holders of the First Preferred
    Shares shall not be entitled to receive any notice of or attend any meeting
    of shareholders of the Corporation and shall not be entitled to vote at any
    such meeting.</FONT> </P>
  <P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B>3.5</B><B><I></I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B>The
    approval of the holders of the First Preferred Shares with respect to any
    matters which may be required to be approved by them may be given by a resolution
    passed at a general meeting of the holders of the First Preferred Shares duly
    called and held upon not less than 21 days&#146; notice at which the holders
    of at least a majority of the outstanding First Preferred Shares are present
    or are represented by proxy and carried by the affirmative vote of not less
    than two-thirds of the votes cast at such meeting; if at any such meeting
    the holders of a majority of the outstanding First Preferred Shares are not
    present or represented by a proxy within one-half hour after the time appointed
    for such meeting then the meeting shall be adjourned to such date not less
    than 21 days thereafter and to such time and place as may be designated by
    the chairman, and not less than 15 days&#146; written notice shall be given
    of such adjourned meeting; at such adjourned meeting the holders of First
    Preferred Shares present or represented by proxy may transact the business
    for which the meeting was originally called and a resolution passed thereat
    by the affirmative vote of not less than two-thirds of the votes cast at such
    meeting shall constitute the authorization of the holders of the First Preferred
    Shares; on every poll taken at any such meeting or adjourned meeting, every
    holder of First Preferred Shares shall be entitled to one vote in respect
    of each First Preferred Share held; subject to the foregoing, the formalities
    to be observed in respect of the giving of notice of any such meeting or adjourned
    meeting and the conduct thereof shall be those from time to time prescribed
    in the by-laws of the Corporation with respect to meetings of shareholders.</FONT>
  </P>
  <P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B>3.6<I></I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B><B>Series
    K Preferred Shares</B></FONT></P>
  <P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
    Series K Preferred Shares shall, in addition to the rights, privileges, restrictions
    and conditions attaching to the First Preferred Shares as a class, carry and
    be subject to the following rights, privileges, restrictions and conditions:</font>
  </P>
  <P ALIGN="justify">&nbsp;</P>
  <hr>
  <p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;4&#150;</font></p>
  <P ALIGN="justify">&nbsp; </P>
  <P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.6.1</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B><B><I>Dividend</I></B></FONT></P>
  <P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    &nbsp;The holders of the Series K Preferred Shares shall be entitled to cumulative,
    preferred cash dividends, when and as declared by the Board of Directors,
    out of moneys properly applicable to the payment of dividends in an amount
    determined in accordance with section 3.6.1(b) hereof and no more, payable
    quarterly in respect of each 12 month period on the last day of March, June,
    September, and December (the &#147;Dividend Payment Dates&#148;), by cheque
    at par in lawful money of Canada at any branch in Canada of the Corporation&#146;s
    bankers with the first payment so to be made on any Series K Preferred Share
    to be paid on June 30, 1989.</FONT> </P>
  <P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    &nbsp;For the period from the date of issue of the Series K Preferred Shares
    to but excluding June 30, 1994 (the &#147;Initial Term&#148;), the dividend
    to be paid on each Series K Preferred Share shall be the amount of $1.9375
    per annum payable in equal quarterly instalments of $0.484375 on each Dividend
    Payment Date, except the first dividend which shall be payable on June 30,
    1989 and shall be in the amount of $1.9375 multiplied by a fraction of which
    the numerator is the number of days from and including the original date of
    issue of the Series K Preferred Shares to but excluding June 30, 1989 and
    the denominator is 365.</FONT> </P>
  <P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;After
    expiry of the Initial Term, the dividend to be paid on each Series K Preferred
    Shares on each Dividend Payment Date shall be an amount per share determined
    by applying the Quarterly Dividend Rate to $25.00. Dividends shall accrue
    on a day-to-day basis. For the purposes hereof, (i) &#147;Quarterly Dividend
    Rate&#148; shall mean one quarter of 70% of the average of the Prime Rate
    in effect on each day during the period of three calendar months ending on
    the last day of the second calendar month preceding the month in which the
    dividend payment is to be made and (ii) &#147;Prime Rate&#148; for any day
    shall mean the arithmetic average (rounded to the nearest one hundredth of
    one percent (0.01%)) of the prime commercial lending rates of interest for
    each day during such period established and announced from time to time by
    The Royal Bank of Canada, Bank of Montreal and The Toronto-Dominion Bank as
    the reference rates of interest per annum in order to determine the interest
    rates they will charge on Canadian dollar commercial loans to customers in
    Canada and designated by the bank in question as its prime rate. The Prime
    Rate on a day when the aforesaid banks are not open for business shall be
    the Prime Rate on the next preceding day when they were open for business.
    If one or two of such banks do not have a prime rate in effect on a particular
    day, the Prime Rate for that day shall be the arithmetic average rounded as
    indicated above of the prime rates announced by the other banks, or the prime
    rate announced by the remaining bank, as the case may be, and if none of such
    banks has a prime rate in effect on a particular day, the Prime Rate for that
    day will be 1.5% above the average yield per annum on 91-day Government of
    Canada Treasury Bills, as reported by the Bank of Canada, for the most recent
    weekly tender immediately preceding such day.</font> </P>
  <P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.6.2</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B><B><I>Rights
    on Liquidation</I></B></FONT></P>
  <P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In
    the event of the liquidation, dissolution or winding up of the Corporation
    or any other distribution of assets of the Corporation for the purpose of
    winding up its affairs, the holders of the Series K Preferred Shares shall
    be entitled to receive in lawful money of Canada $25.00 per share together
    with all accrued and unpaid dividends to the date of distribution before any
    amounts shall be paid or any assets of the Corporation distributed to the
    holders of any shares ranking junior to the Series K Preferred Shares. The
    holders of the Series K Preferred Shares shall not be entitled to share in
    any further distribution of the property or assets of the Corporation.</font>
  </P>
  <P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.6.3</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B><B><I>Redemption</I></B></FONT></P>
  <P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
    Corporation may not redeem any of the Series K Preferred Shares prior to June
    30, 1994. Subject to section 3.6.5 hereof, upon giving notice as hereinafter
    provided, the Corporation may, on or after June 30, 1994, redeem at any time
    all the outstanding Series K Preferred Shares, or from time to time any part
    thereof, on payment for each such share to be redeemed of an amount equal
    to $25.00 together with accrued and unpaid dividends to the date fixed for
    redemption, the whole constituting the &#147;Redemption Price&#148;. In the
    case of partial redemptions, the Series K Preferred Shares to be redeemed
    shall be selected by lot or in such other manner as the Corporation may determine.
    Any Series K Preferred Share so redeemed shall be cancelled and not reissued.</font>
  </P>
  <P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
    Corporation shall give at least 30 days&#146; prior notice in writing to each
    person who at the date of giving such notice is the holder of Series K Preferred
    Shares to be redeemed of the intention of the Corporation to redeem such shares;
    such notice shall be given by posting the same in a postage paid envelope
    </font></P>
  <P ALIGN="justify">&nbsp;</P>
  <hr>
  <p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;5&#150;</font></p>
  <P ALIGN="justify">&nbsp;</P>
  <P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">addressed
    to each holder of Series K Preferred Shares to be redeemed at the last address
    of such holder as it appears on the books of the Corporation at the date of
    the notice or, in the event of the address of any holder not so appearing,
    then to the address of such holder last known to the Corporation; provided
    that the accidental failure or omission to give any such notice as aforesaid
    to one or more of such holders shall not affect the validity of the redemption
    as to the other holders of the Series K Preferred Shares to be redeemed. Such
    notice shall set out the number of such Series K Preferred Shares held by
    the person to whom it is addressed which are to be redeemed and the Redemption
    Price and shall also set out the date on which the redemption is to take place,
    and on and after the date so specified for redemption the Corporation shall
    pay or cause to be paid to the holders of such Series K Preferred Shares to
    be redeemed the redemption price on presentation and surrender at the Registered
    Office of the Corporation or at any other place or places within Canada designated
    by such notice, of the certificate or certificates for such Series K Preferred
    Shares so called for redemption; such payment shall be made by cheque payable
    at par at any branch in Canada of the Corporation&#146;s bankers; if a part
    only of such Series K Preferred Shares represented by any certificate shall
    be redeemed, a new certificate for the balance shall be issued; from and after
    the date specified in any such notice, the Series K Preferred Shares called
    for redemption shall cease to be entitled to dividends and the holders thereof
    shall not be entitled to exercise any of the rights of shareholders in respect
    thereof unless payment of the Redemption Price shall not be duly made by the
    Corporation; at any time after notice of redemption is given as aforesaid,
    the Corporation shall have the right to deposit the Redemption Price of any
    or all Series K Preferred Shares called for redemption with any chartered
    bank or banks or with any trust company or trust companies in Canada named
    in the notice of redemption to the credit of a special account or accounts
    in trust for the respective holders of such shares, to be paid to them respectively
    upon surrender to such bank or banks or trust company or trust companies of
    the certificate or certificates representing the same, and upon such deposit
    or deposits being made, such shares shall be redeemed on the redemption date
    specified in the notice of redemption; after the Corporation has made a deposit
    as aforesaid with respect to any shares, the holders thereof shall not be
    entitled to exercise any of the rights of shareholders in respect thereof
    and the rights of the holders thereof shall be limited to receiving the proportion
    of the amounts so deposited applicable to such shares, without interest; any
    interest allowed on such deposit shall belong to the Corporation.</font> </P>
  <P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    Redemption moneys that are represented by a cheque which was mailed to a registered
    holder in accordance with this section 3.6.3 and which has not been duly presented
    for payment within, or that otherwise remain unclaimed (including moneys held
    on deposit as aforesaid) for a period of five (5) years from the date of the
    redemption, shall be forfeited to the Corporation.</font> </P>
  <P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.6.4</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B><B><I>Purchase
    for Cancellation</I></B></FONT></P>
  <P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    Subject to section 3.6.5 hereof, the Corporation may also at any time or from
    time to time purchase for cancellation the whole or any part of the Series
    K Preferred Shares outstanding from time to time, in the open market through
    or from an investment dealer or any firm holding membership on a recognized
    stock exchange, at the lowest price or prices at which in the opinion of the
    Directors of the Corporation such shares are obtainable plus in each case
    all accrued and unpaid dividends and costs of purchase.</font> </P>
  <P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.6.5</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B><B><I>Restrictions
    on Dividends and Retirement of Shares</I></B></FONT></P>
  <P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    &nbsp;Without the approval of the holders of outstanding Series K Preferred
    Shares:</font> </P>
  <P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    &nbsp;the Corporation shall not declare, pay or set apart for payment any
    dividends (other than stock dividends payable in shares of the Corporation
    ranking junior to the Series K Preferred Shares) on the Common Shares of the
    Corporation or any other shares of the Corporation ranking junior to the Series
    K Preferred Shares;</FONT> </P>
  <P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    &nbsp;the Corporation shall not call for redemption, redeem, purchase or otherwise
    retire for value or make any capital distribution on or in respect of the
    Common Shares of the Corporation or any other shares of the Corporation ranking
    junior to the Series K Preferred Shares (except out of the net cash proceeds
    of a substantially concurrent issue of shares of the Corporation ranking junior
    to the Series K Preferred Shares);</FONT> </P>
  <P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    &nbsp;the Corporation shall not call for redemption, redeem, purchase or otherwise
    retire for value less than all of the Series K Preferred Shares then outstanding;
    or</FONT> </P>
  <P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    &nbsp;except in connection with the exercise of a retraction privilege attaching
    to any other Series of </FONT></P>
  <P ALIGN="justify">&nbsp;</P>
  <hr>
  <p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;6&#150;</font></p>
  <P ALIGN="justify">&nbsp;</P>
  <P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">First
    Preferred Shares of the Corporation, the Corporation shall not call for redemption,
    redeem, purchase or otherwise retire for value any shares of any class or
    series ranking on a parity with the Series K Preferred Shares, provided that,
    for greater certainty, the covenant in this clause (d) shall not limit or
    affect any such action in respect of any class of shares ranking in priority
    to the Series K Preferred Shares;</FONT> </P>
  <P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">unless,
    in each case, all cumulative dividends accrued on outstanding Series K Preferred
    Shares up to and including the dividend payable on the last preceding Dividend
    Payment Date shall have been declared and paid.</FONT> </P>
  <P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    &nbsp;Any approval of the holders of Series K Preferred Shares required to
    be given pursuant to this section 3.6.5 may be given in accordance with sections
    3.6.6 and 3.6.7 by the affirmative vote of the holders of the majority of
    the Series K Preferred Shares.</font> </P>
  <P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.6.6</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B><B><I>Voting
    Rights</I></B></FONT></P>
  <P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    &nbsp;If the Corporation fails to pay eight dividends on the Series K Preferred
    Shares, whether or not consecutive, the holders of the Series K Preferred
    Shares shall have the right to receive notice of, and to attend, each meeting
    of shareholders of the Corporation which takes place more than 60 days after
    the date on which the failure first occurs (other than a separate meeting
    of the holders of another series or class of shares) and such holders shall
    also have the right, at any such meeting, to one vote for each Series K Preferred
    Share held, until all such arrears of dividends on the Series K Preferred
    Shares shall have been paid whereupon such rights shall cease unless and until
    the same default shall again rise under the provisions of this section 3.6.6.</font>
  </P>
  <P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    &nbsp;In connection with any action to be taken by the Corporation which requires
    the approval of the holders of the Series K Preferred Shares as a series,
    each Series K Preferred Share shall entitle the holder thereof to one vote
    for such purpose.</font> </P>
  <div align="justify"><font size="2" face="Arial, Helvetica, sans-serif"><strong><em>3.6.7</em></strong>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B><B><I></I></B><strong><em>Issue
    of Additional First Preferred Shares and Amendment of Rights, Privileges,
    etc. of the Series K Preferred </em></strong><strong><em>Shares </em></strong></font>
  </div>
  <P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    &nbsp;The Corporation may issue additional series of First Preferred Shares
    ranking on a parity with the Series K Preferred Shares without the authorization
    of the holders of the Series K Preferred Shares.</font> </P>
  <P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    &nbsp;The provisions attached to the Series K Preferred Shares may be repealed,
    altered, modified or amended from time to time with such approvals as may
    then be required by the <I>Canada Business Corporations Act</I>, any such
    approval to be given in accordance with section 3.6.8.</font> </P>
  <P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.6.8</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B><B><I>Approval
    of Holders of Series K Preferred Shares</I></B></FONT></P>
  <P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    &nbsp;Any approval given by the holders of the Series K Preferred Shares shall
    be deemed to have been sufficiently given if it shall have been given by the
    holders of Series K Preferred Shares as provided in the provisions attaching
    to the First Preferred Shares as a class, which provisions shall apply <I>mutatis
    mutandis</I>.</font> </P>
  <P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.6.9</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B><B><I>Conversion
    Privilege</I></B></FONT></P>
  <P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    &nbsp;A holder of Series K Preferred Shares holding at least 20,000 Series
    K Preferred Shares shall have the right, at his option, to convert on March
    31, 1994 (the &#147;Conversion Date&#148;), subject to the terms and provisions
    hereof, all or part of his Series K Preferred Shares into Cumulative Redeemable
    First Preferred Shares, Series L (the &#147;Series L Preferred Shares&#148;),
    on the basis of 20,000 Series K Preferred Shares for one Series L Preferred
    Share. The conversion of Series K Preferred Shares may be effected by surrender
    of the certificate or certificates representing the same at any time not less
    than thirty (30) days and not more than sixty (60) days prior to the Conversion
    Date during usual business hours at the option of the holder at the Registered
    Office of the Corporation or at any office of any transfer agent of the Corporation
    at which the Series K Preferred Shares are transferable accompanied: (1) by
    payment or evidence of payment of the tax (if any) payable as provided in
    this 3.6.9; and (2) by written instrument of surrender in form satisfactory
    to the Corporation duly executed by the registered holder, or his attorney
    duly authorized in writing, in which instrument such holder shall elect to
    convert all or part only of the Series K Preferred Shares represented by such
    certificate or certificates in which event the Corporation shall issue and
    deliver or cause to be delivered to such holder, at the </font></P>
  <P ALIGN="justify">&nbsp;</P>
  <hr>
  <p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;7&#150;</font></p>
  <P ALIGN="justify">&nbsp;</P>
  <P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">expense
    of the Corporation, a new certificate representing the Series K Preferred
    Shares represented by such certificate or certificates which have not been
    converted. A holder of Series K Preferred Shares to be converted shall not
    be entitled to fractional shares upon conversion but shall be entitled to
    receive a new certificate representing the number of remaining Series K Preferred
    Shares which cannot be converted.</font> </P>
  <P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    &nbsp;As promptly as practicable on or after the Conversion Date the Corporation
    shall issue and deliver, or cause to be delivered to or upon the written order
    of the holder of the Series K Preferred Shares so surrendered, a certificate
    or certificates issued in the name of, or in such name or names as may be
    directed by, such holder representing the number of fully paid and non-assessable
    Series L Preferred Shares and the number of remaining Series K Preferred Shares,
    if any, to which such holder is entitled. Such conversion shall be deemed
    to have been made at the close of business on the Conversion Date, so that
    the rights of the holder of such Series K Preferred Shares as the holder thereof
    shall cease at such time and the person or persons entitled to receive Series
    L Preferred Shares upon such conversion shall be treated for all purposes
    as having become the holder or holders of record of such Series L Preferred
    Shares at such time.</font> </P>
  <P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    &nbsp;The registered holder of any Series K Preferred Share on the record
    date for any dividend declared payable on such share shall be entitled to
    such dividend notwithstanding that such share is converted after such record
    date and before the payment date of such dividend.</font> </P>
  <P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    &nbsp;The issuance of certificates for Series L Preferred Shares upon the
    conversion of Series K Preferred Shares shall be made without charge to the
    converting holders of Series K Preferred Shares for any fee or tax in respect
    of the issuance of such certificates or the Series L Preferred Shares represented
    thereby; provided, however, that the Corporation shall not be required to
    pay any tax which may be imposed upon the person or persons to whom such Series
    L Preferred Shares are issued in respect of the issuance of such Series L
    Preferred Shares or the certificates therefor or which may be payable in respect
    of any transfer involved in the issuance and delivery of any such certificate
    in a name or names other than that of the holder of the Series K Preferred
    Shares converted, and the Corporation shall not be required to issue or deliver
    such certificate unless the person or persons requesting the issuance thereof
    shall have paid to the Corporation the amount of such tax or shall have established
    to the satisfaction of the Corporation that such tax has been paid.</font>
  </P>
  <P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.6.10</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B><B><I>Tax
    Election</I></B></FONT></P>
  <P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    &nbsp;The Corporation shall elect, in the manner and within the time provided
    under the <I>Income Tax Act </I>(Canada), under section 191.2 of the said
    Act or any successor or replacement provision of similar effect, and take
    all other necessary action under such Act, to pay tax at a rate such that
    no holder of the Series K Preferred Shares will be required to pay tax on
    dividends received on the Series K Preferred Shares under section 187.2 of
    Part IV.1 of such Act or any successor or replacement provision of similar
    effect.</font> </P>
  <P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.6.11</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B><B><I>Mail
    Service Interruption</I></B></FONT></P>
  <P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    &nbsp;If the Corporation determines that mail service is or is threatened
    to be interrupted at the time when the Corporation is required or elects to
    give any notice hereunder by mail, or is required to send any cheque or any
    share certificate to the holder of any Series K Preferred Share, whether in
    connection with the redemption of such share or otherwise, or any share certificate
    to the holder of any Series L Preferred Share upon conversion of his Series
    K Preferred Shares, the Corporation may, notwithstanding the provisions hereof:</font>
  </P>
  <div align="justify">
    <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
      <TR VALIGN="TOP">
        <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(i)</FONT></TD>
        <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
        <TD WIDTH="91%"><P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
            give such notice by telex, telecopier or telegraph communication or
            by means of publication once in each of two successive weeks in a
            newspaper of general circulation published or distributed in Montr&eacute;al
            and Toronto and such notice shall be deemed to have been given on
            the date on which such telex, telecopier or telegraph communication
            was given or on the date on which the first publication has taken
            place; and</FONT> </P></TD>
      </TR>
    </TABLE>
    <font size="2" face="Arial, Helvetica, sans-serif"><BR>
    </font>
    <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
      <TR VALIGN="TOP">
        <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(ii)</FONT></TD>
        <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
        <TD WIDTH="91%"><P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
            fulfill the requirement to send such cheque or such share certificate
            by arranging for delivery thereof to the principal office of the Corporation
            in Montr&eacute;al and Toronto, and such cheque and/or certificate
            shall be deemed to have been sent on the date on which notice of such
            arrangement shall have been given as provided</FONT></P></TD>
      </TR>
    </TABLE>
    <p>&nbsp;</p>
    <hr>
    <p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;8&#150;</font></p>
    <p>&nbsp;</p>
    <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
      <TR VALIGN="TOP">
        <TD ALIGN="RIGHT" WIDTH="6%">&nbsp;</TD>
        <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
        <TD WIDTH="91%"><P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
            in (i) above, provided that as soon as the Corporation determines
            that mail service is no longer interrupted or threatened to be interrupted
            such cheque or share certificate, if not theretofore delivered to
            such holder, shall be sent by ordinary unregistered first class prepaid
            mail to the registered address of each person who at the date of mailing
            is a registered holder and who is entitled to receive such cheque
            or share certificate, or in the event of the address of any such holder
            not so appearing, then at the last address of such holder known to
            the Corporation.</FONT> </P></TD>
      </TR>
    </TABLE>
    <p><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B>3.7<I></I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B><B>Series
      L Preferred Shares</B></FONT></p>
  </div>
  <P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    &nbsp;The Series L Preferred Shares shall, in addition to the rights, privileges,
    restrictions and conditions attaching to the First Preferred Shares as a class,
    carry and be subject to the following rights, privileges, restrictions and
    conditions:</font> </P>
  <P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.7.1</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B><B><I>PART
    I</I></B></FONT></P>
  <P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    &nbsp;All defined terms, used in Part I of section 3.7 and not defined therein,
    are defined and have the meaning ascribed to them in Part II of section 3.7.</font>
  </P>
  <P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.7.1.1</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B><B><I>Payment
    of Dividends</I></B></FONT></P>
  <P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    &nbsp;For the Initial Term, the holders of Series L Preferred Shares shall
    be entitled to receive and the Corporation shall pay thereon, as and when
    declared by the Directors of the Corporation, out of the moneys of the Corporation
    properly applicable to the payment of dividends, a fixed cumulative preferential
    cash dividend. The initial dividend on the Series L Preferred Shares shall
    accrue from and include the original date of issue of the Series L Preferred
    Shares, shall be payable on June 30, 1994 and shall be in the amount set forth
    in section 3.7.1.2(a) hereof.</FONT> </P>
  <div align="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    &nbsp;After expiry of the Initial Term, for each Dividend Period falling within
    a Corporation Determined Term, the holders of the Series L Preferred Shares
    shall be entitled to receive and the Corporation shall pay thereon, as and
    when declared by the Directors of the Corporation, out of the moneys of the
    Corporation properly applicable to the payment of dividends, quarterly cumulative
    preferential cash dividends, in an amount determined in accordance with section
    3.7.1.2(b) hereof, payable, with respect to each such Dividend Period, on
    the Dividend Payment Date immediately following the end of such Dividend Period.</FONT>
  </div>
  <P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    &nbsp;After expiry of the Initial Term, for each Dividend Period falling within
    a Dealer Determined Term, the holders of the Series L Preferred Shares shall
    be entitled to receive and the Corporation shall pay thereon, as and when
    declared by the Directors of the Corporation, out of the moneys of the Corporation
    properly applicable to the payment of dividends, quarterly cumulative preferential
    cash dividends, in an amount determined in accordance with section 3.7.1.2(c)
    hereof, payable, with respect to each such Dividend Period, on the Dividend
    Payment date immediately following the end of such Dividend Period.</FONT>
  </P>
  <P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    &nbsp;After expiry of the Initial Term, for each Auction Dividend Period,
    falling within an Auction Term, the holders of the Series L Preferred Shares
    as they appear on the securities register of the Corporation on the applicable
    Auction Date shall be entitled to receive and the Corporation shall pay thereon,
    as and when declared by the Directors of the Corporation, out of the moneys
    of the Corporation properly applicable to the payment of dividends, monthly
    cumulative preferential cash dividends, in an amount determined in accordance
    with section 3.7.1.2(d) hereof, payable, with respect to each such Auction
    Dividend Period, on the Auction Dividend Payment Date immediately following
    the end of such Auction Dividend Period.</FONT> </P>
  <P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    &nbsp;Cheques of the Corporation payable in lawful money of Canada, rounded
    to the nearest whole cent ($0.01) shall be issued in respect of dividends
    on the Series L Preferred Shares (less any tax required to be deducted and
    withheld by the Corporation). The mailing by ordinary unregistered first class
    prepaid mail of such a cheque to a registered holder of Series L Preferred
    Shares to the address of such registered holder as it appears on the securities
    register of the Corporation, or if the address of any such holder does not
    so appear, then to the last known address of such holder, on or before the
    fifth Business Day next preceding the applicable Dividend </font></P>
  <P ALIGN="justify">&nbsp;</P>
  <hr>
  <p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;9&#150;</font></p>
  <P ALIGN="justify">&nbsp;</P>
  <P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">Payment
    Date or the delivery by the Corporation or the Auction Manager of such cheque
    on or before the Auction Dividend Payment Date, as the case may be, shall
    be deemed to be payment and shall satisfy and discharge all liabilities for
    dividends payable on such Dividend Payment Date or Auction Dividend Payment
    Date to the extent of the amount represented thereby (plus any tax required
    to be and in fact deducted and withheld therefrom and remitted to the proper
    taxing authority) unless such cheque is not paid on due presentation.</font>
  </P>
  <P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.7.1.2</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B><B><I>Amount
    of Dividends</I></B></FONT></P>
  <P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    &nbsp;The dividend to be paid on each Series L Preferred Share during the
    Initial Term shall be at the rate of 7.75% per annum, shall be in the amount
    of $9,687.50 and shall be payable on June 30, 1994.</FONT> </P>
  <P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    &nbsp;After expiry of the Initial Term, for each Dividend Period included
    within a Corporation Determined Term, the dividend to be paid on each Series
    L Preferred Share on the Dividend Payment Date immediately following the end
    of such Dividend Period shall be the amount obtained by multiplying $500,000
    by the Corporation Determined Quarterly Dividend Rate for such Dividend Period.</FONT>
  </P>
  <P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    &nbsp;After expiry of the Initial Term, for each Dividend Period included
    within a Dealer Determined Term, the dividend to be paid on each Series L
    Preferred Share on the Dividend Payment Date immediately following the end
    of such Dividend Period shall be the amount obtained by multiplying $500,000
    by the Dealer Determined Quarterly Dividend Rate for such Dividend Period.</FONT>
  </P>
  <P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    &nbsp;After expiry of the Initial Term, for each Auction Dividend Period included
    within an Auction Term, the dividend to be paid on each Series L Preferred
    Share on the Auction Dividend Payment Date immediately following the end of
    such Auction Dividend Period shall be determined as follows:</FONT> </P>
  <div align="justify">
    <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
      <TR VALIGN="TOP">
        <TD ALIGN="RIGHT" WIDTH="9%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(i)</FONT></TD>
        <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
        <TD WIDTH="88%"><P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
            on the first Auction Dividend Payment Date immediately following the
            end of the first Auction Dividend Period during any Auction Term,
            the dividend to be paid on each Series L Preferred Share shall be
            the amount which is the product of (1) $500,000, (2) 75% of the Bankers&#146;
            Acceptance Rate (as defined in Part V hereof) where the Bankers&#146;
            Acceptance Rate is determined on the first Business Day of such Auction
            Dividend Period and (3) the number of days in the first Auction Dividend
            Period, all divided by 365; and</FONT> </P></TD>
      </TR>
    </TABLE>
    <font size="2" face="Arial, Helvetica, sans-serif"><BR>
    </font>
    <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
      <TR VALIGN="TOP">
        <TD ALIGN="RIGHT" WIDTH="9%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(ii)</FONT></TD>
        <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
        <TD WIDTH="88%"><P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
            on the second, and subsequent, Auction Dividend Payment Dates immediately
            following the end of the second and subsequent Auction Dividend Periods
            during any Auction Term, the dividend to be paid on each Series L
            Preferred Share shall be the amount which is the product of (1) $500,000,
            (2) the Current Dividend Rate (or such other rate per annum as may
            apply in accordance with Part V hereof) for each such Auction Dividend
            Period, determined on the Auction Date immediately prior to the beginning
            of such Auction Dividend Period and (3) the number of days in such
            Auction Dividend Period, all divided by 365.</FONT> </P></TD>
      </TR>
    </TABLE>
  </div>
  <P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    &nbsp;After expiry of the Initial Term, for the first Dividend Period included
    within a Corporation Determined Term or a Dealer Determined Term, in either
    case immediately following an Auction Term, the dividend to be paid on each
    Series L Preferred Share on the Dividend Payment Date immediately following
    the end of such Dividend Period shall be the product of (1) $500,000, (2)
    four times the Corporation Determined Quarterly Dividend Rate or the Dealer
    Determined Quarterly Dividend Rate, as the case may be, and (3) the number
    of days in such Dividend Period, all dividend by 365.</FONT> </P>
  <P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.7.1.3</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B><B><I>Cumulative
    Dividends</I></B></FONT></P>
  <P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    &nbsp;If on any Dividend Payment Date or Auction Dividend Payment Date the
    dividends accrued to such date are not paid in full on all Series L Preferred
    Shares then outstanding, such dividends, or the unpaid part thereof, shall
    be paid on a subsequent date or dates determined by the Directors of the Corporation
    on which the Corporation shall have sufficient moneys properly applicable
    to the payment of such dividends. The holders of Series L Preferred Shares
    shall not be entitled to any dividends other than or in excess of the cumulative
    preferential cash dividends herein provided for.</font></P>
  <P ALIGN="justify">&nbsp;</P>
  <hr>
  <p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;10&#150;</font></p>
  <P ALIGN="justify">&nbsp;</P>
  <P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.7.1.4</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B><B><I>Redemption</I></B></FONT></P>
  <P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    &nbsp;The Series L Preferred Shares will not be redeemable prior to the end
    of the Initial Term. Subject to section 3.7.1.7, the Corporation may, upon
    giving notice as hereinafter provided, redeem at any time after the end of
    the Initial Term all or from time to time any of the then outstanding Series
    L Preferred Shares on payment for each share to be redeemed of an amount equal
    to $500,000 together with an amount equal to all accrued and unpaid dividends
    thereon. Such amount is herein referred to as the &#147;Redemption Price&#148;.
    If less than all of the then outstanding Series L Preferred Shares are to
    be redeemed, the Series L Preferred Shares to be redeemed shall be redeemed
    as nearly as may be pro rata from each of the holders of Series L Preferred
    Shares. Any Series L Preferred Share which is so redeemed shall be cancelled
    and not reissued.</font> </P>
  <div align="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.7.1.5</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B><B><I>Redemption
    Procedure</I></B></FONT> </div>
  <P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    &nbsp;The Corporation shall, at least thirty (30) days before the date specified
    for redemption of Series L Preferred Shares, mail or deliver to each person
    who at the date of mailing is a registered holder of Series L Preferred Shares
    to be redeemed a notice in writing of the intention of the Corporation to
    redeem such Series L Preferred Shares. Notwithstanding the foregoing, if the
    Corporation gives notice of its intention to redeem Series L Preferred Shares
    on a Redemption Date (as hereinafter defined) which is during an Auction Term,
    such notice shall be given, not less than 12 days prior to the date on which
    the redemption is to take place which date, in such event, must be an Auction
    Dividend Payment Date.</FONT> </P>
  <P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    &nbsp;Such notice shall set out the Redemption Price and the date (&#147;Redemption
    Date&#148;) on which redemption is to take place and, if part only of the
    Series L Preferred Shares held by the person to whom such notice is addressed
    is to be redeemed, the number thereof so to be redeemed. The Corporation shall
    pay or cause to be paid to or to the order of the registered holders of the
    Series L Preferred Shares to be redeemed the Redemption Price therefor on
    presentation and surrender, at the place designated in such notice, of the
    certificates representing the Series L Preferred Shares so called for redemption.
    Such payment shall be made by cheque of the Corporation and shall be a full
    and complete discharge of the Corporation&#146;s obligation to pay the Redemption
    Price owed to the holders of Series L Preferred Shares so called for redemption
    to the extent of the amount represented by such cheque (plus any tax required
    to be and in fact deducted and withheld therefrom and remitted to the proper
    tax authority), unless such cheque is not paid on due presentation. If part
    only of the Series L Preferred Shares represented by any certificate shall
    be redeemed, a new certificate for the balance shall be issued at the expense
    of the Corporation. From and after the Redemption Date, the Series L Preferred
    Shares called for redemption shall cease to be entitled to dividends and the
    holders thereof shall not be entitled to exercise any of the rights of shareholders
    in respect thereof unless payment of the Redemption Price shall not be made
    upon presentation and surrender of certificates in accordance with the foregoing
    provisions, in which case the rights of the holders shall remain unaffected.
    The Corporation shall have the right, at any time after giving notice of its
    intention to redeem Series L Preferred Shares as aforesaid, to deposit the
    Redemption Price for the Series L Preferred Shares so called for redemption
    (or such of the said shares as may be represented by certificates which have
    not at the date of such deposit been surrendered by the holders thereof in
    connection with such redemption) in a special account in any chartered bank
    or any trust company in Canada named in such notice or in any subsequent notice
    to the holders of the shares in respect of which the deposit is made, provided
    that the amount deposited in such an account shall be paid to the holders
    of such shares upon presentation and surrender to such bank or trust company
    of the certificates representing such shares. The Redemption Price so deposited
    shall be paid on or after the Redemption Date without interest to or to the
    order of the respective holders of such Series L Preferred Shares called for
    redemption. Upon such deposit being made or upon the Redemption Date, whichever
    is the later, the Series L Preferred Shares in respect of which such deposit
    shall have been made, shall be and shall be deemed to be redeemed and the
    rights of the holders thereof after such deposit or the Redemption Date as
    the case may be, shall be limited to receiving, without interest, the Redemption
    Price of such Series L Preferred Shares so deposited (less any tax required
    to be and in fact deducted or withheld therefrom) upon presentation and surrender
    of the certificates representing the holder&#146;s shares so redeemed. Any
    interest allowed on any such deposit shall belong to the Corporation.</FONT>
  </P>
  <P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    &nbsp;Redemption moneys that are represented by a cheque which was mailed
    to a registered holder in accordance with this section 3.7.1.5 and which has
    not been duly presented for payment within, or that otherwise remain unclaimed
    (including moneys held on deposit as aforesaid) for a period of 5 years from
    the Redemption Date, shall be forfeited to the Corporation.</font> </P>
</div>
<p>&nbsp;</p>
<hr>
<p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;11&#150;</font></p>
<P ALIGN="justify">&nbsp;</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.7.1.6</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Purchase
  for Cancellation</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;Subject to section 3.7.1.7, the Corporation may at any time and from time
  to time purchase for cancellation the whole or any part of the Series L Preferred
  Shares outstanding from time to time at the lowest price or prices at which
  in the opinion of the Directors such shares are obtainable, but not exceeding
  $500,000 per share plus all accrued and unpaid dividends and costs of purchase.</font>
</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.7.1.7</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Restriction
  on Dividends and Retirement of Shares</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;Without the approval of the holders of outstanding Series L Preferred
  Shares:</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;the Corporation shall not declare, pay or set apart for payment any dividends
  (other than stock dividends payable in shares of the Corporation ranking junior
  to the Series L Preferred Shares) on the Common Shares of the Corporation or
  any other shares of the Corporation ranking junior to the Series L Preferred
  Shares;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;the Corporation shall not call for redemption, redeem, purchase or otherwise
  retire for value or make any capital distribution on or in respect of the Common
  Shares of the Corporation or any other shares of the Corporation ranking junior
  to the Series L Preferred Shares (except out of the net cash proceeds of a substantially
  concurrent issue of shares of the Corporation ranking junior to the Series L
  Preferred Shares);</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;the Corporation shall not call for redemption, redeem, purchase or otherwise
  retire for value less than all of the Series L Preferred Shares then outstanding;
  or</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;except in connection with the exercise of a retraction privilege attaching
  to any other Series of First Preferred Shares of the Corporation, the Corporation
  shall not call for redemption, redeem, purchase or otherwise retire for value
  any shares of any class or series ranking on a parity with the Series L Preferred
  Shares, provided that, for greater certainty, the covenant in this clause (d)
  shall not limit or affect any such action in respect of any class of shares
  ranking in priority to the Series L Preferred Shares;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">unless,
  in each case, all cumulative preferential dividends accrued on outstanding Series
  L Preferred Shares up to and including the dividend payable on the last preceding
  Dividend Payment Date or Auction Dividend Payment Date, as the case may be,
  shall have been declared and paid.</FONT> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;Any approval of the holders of Series L Preferred Shares required to be
  given pursuant to this section 3.7.1.7 may be given in accordance with sections
  3.7.2.3 and 3.7.2.4 by the affirmative vote of the holders of the majority of
  the Series L Preferred Shares.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.7.1.8</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Rights
  on Liquidation</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;In the event of the liquidation, dissolution or winding-up of the Corporation,
  whether voluntary or involuntary, or any other return of capital or distribution
  of assets of the Corporation among its shareholders for the purpose of winding
  up its affairs, the holders of Series L Preferred Shares shall be entitled to
  receive in lawful money of Canada $500,000 per share together with an amount
  equal to all accrued and unpaid cumulative preferential dividends thereon, whether
  or not declared, calculated to the date of payment or distribution, the whole
  to be paid before any amount is paid or any property or assets of the Corporation
  are distributed to the holders of the Common Shares of the Corporation or any
  other shares ranking junior to the Series L Preferred Shares. Upon payment to
  the holders of record of the Series L Preferred Shares of the amount so payable
  to them, they shall not be entitled to share in any further distribution of
  the property or assets of the Corporation.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.7.2</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>PART
  II</I></B></FONT></P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.7.2.1</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Interpretation
  and Application of Part I, Part III, Part IV and Part V</I></B></FONT></P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;For the purposes hereof, including Part I, Part III, Part IV and Part
  V hereof, the following expressions have the following meanings:</FONT> </P>
<P ALIGN="justify">&nbsp;</P>
<hr>
<p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;12&#150;</font></p>
<P ALIGN="justify">&nbsp;</P>
<div align="justify">
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(i)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="LEFT"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          &#147;Auction Dividend Payment Date&#148; shall have the meaning ascribed
          to that term in Part V hereof;</FONT> </P></TD>
    </TR>
  </TABLE>
  <font size="2" face="Arial, Helvetica, sans-serif"><BR>
  </font>
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(ii)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="LEFT"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          &#147;Auction Dividend Period&#148; shall have the meaning ascribed
          to that term in Part V hereof;</FONT> </P></TD>
    </TR>
  </TABLE>
  <font size="2" face="Arial, Helvetica, sans-serif"><BR>
  </font>
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(iii)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          &#147;Auction Procedures&#148; shall mean the procedures set forth in
          Part V hereof for determining the applicable dividend rate for the Series
          L Preferred Shares from time to time during an Auction Term;</FONT>
        </P></TD>
    </TR>
  </TABLE>
  <font size="2" face="Arial, Helvetica, sans-serif"><BR>
  </font>
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(iv)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="LEFT"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          &#147;Auction Term&#148; and &#147;Auction Date&#148; shall have the
          respective meanings ascribed to those terms in Part V hereof;</FONT>
        </P></TD>
    </TR>
  </TABLE>
  <font size="2" face="Arial, Helvetica, sans-serif"><BR>
  </font>
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(v)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="LEFT"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          &#147;Business Day&#148; shall have the meaning ascribed to that term
          in Part V hereof;</FONT> </P></TD>
    </TR>
  </TABLE>
  <font size="2" face="Arial, Helvetica, sans-serif"><BR>
  </font>
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(vi)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="LEFT"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          &#147;Corporation Determined Quarterly Dividend Rate&#148; shall have
          the meaning ascribed to that term in Part III hereof;</FONT> </P></TD>
    </TR>
  </TABLE>
  <font size="2" face="Arial, Helvetica, sans-serif"><BR>
  </font>
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(vii)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="LEFT"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          &#147;Corporation Determined Term&#148; shall have the meaning ascribed
          to that term in Part III hereof;</FONT> </P></TD>
    </TR>
  </TABLE>
  <font size="2" face="Arial, Helvetica, sans-serif"><BR>
  </font>
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(viii)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="LEFT"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          &#147;Current Dividend Rate&#148; shall have the meaning ascribed to
          that term in Part V hereof;</FONT> </P></TD>
    </TR>
  </TABLE>
  <font size="2" face="Arial, Helvetica, sans-serif"><BR>
  </font>
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(ix)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="LEFT"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          &#147;Dealer Determined Quarterly Dividend Rate&#148; shall have the
          meaning ascribed to that term in Part IV hereof;</FONT> </P></TD>
    </TR>
  </TABLE>
  <br>
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(x)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="LEFT"><font size="2" face="Arial, Helvetica, sans-serif">"Dealer
          Determined Term" shall have the meaning ascribed to that term in Part
          IV hereof; </font><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          </FONT></P></TD>
    </TR>
  </TABLE>
  <br>
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(xi)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          &#147;Dividend Payment Dates&#148; shall mean the last day of each of
          the months of March, June, September and December in each year;</FONT>
        </P></TD>
    </TR>
  </TABLE>
  <font size="2" face="Arial, Helvetica, sans-serif"><BR>
  </font>
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(xii)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          &#147;Dividend Period&#148; shall mean, with respect to the Initial
          Term, the period from and including the date of issue of the Series
          L Preferred Shares to but excluding the first Dividend Payment Date
          and, thereafter, the period from and including each Dividend Payment
          Date to but excluding the next succeeding Dividend Payment Date except
          for the first Dividend Period following an Auction Term in which case
          Dividend Period shall mean the period from and including the most recent
          Settlement Date of the Auction Term to but excluding the next succeeding
          Dividend Payment Date which falls at least three calendar months after
          the said Settlement Date;</FONT> </P></TD>
    </TR>
  </TABLE>
  <font size="2" face="Arial, Helvetica, sans-serif"><BR>
  </font>
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(xiii)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          &#147;Initial Term&#148; shall mean the period from the date of issue
          of the Series L Preferred Shares to but excluding June 30, 1994;</FONT>
        </P></TD>
    </TR>
  </TABLE>
  <br>
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(xiv)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          the use of the terms &#147;ranking in priority to&#148; or &#147;ranking
          on a parity with&#148; or &#147;ranking junior to&#148; or similar terms,
          whether used independently or in combination, mean and refer to the
          ranking of shares of different classes or series in respect of the payment
          of dividends and the distribution of assets in the event of the liquidation,
          dissolution or winding-up of the Corporation, voluntary or involuntary,
          or any other return of capital or distribution of assets of the Corporation
          among its shareholders for the purpose of winding-up its affairs; and</FONT>
        </P></TD>
    </TR>
  </TABLE>
  <font size="2" face="Arial, Helvetica, sans-serif"><BR>
  </font>
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(xv)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="LEFT"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          &#147;Settlement Date&#148; shall have the meaning ascribed to that
          term in Part V hereof.</FONT> </P></TD>
    </TR>
  </TABLE>
</div>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;In the event that any date on which any dividend on the Series L Preferred
  Shares is payable </FONT></P>
<P ALIGN="justify">&nbsp;</P>
<hr>
<p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;13&#150;</font></p>
<P ALIGN="justify">&nbsp;</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">by the Corporation,
  or on or by which any other action is required to be taken by the Corporation
  hereunder, is not a Business Day, then such dividend shall be payable, or such
  other action shall be required to be taken, on or by the next succeeding day
  that is a Business Day.</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;In the event of the non-receipt of a cheque by a holder of Series L Preferred
  Shares entitled to such cheque, or the loss or destruction thereof, the Corporation,
  upon being furnished with reasonable evidence of such non-receipt, loss or destruction,
  and an indemnity reasonably satisfactory to the Corporation, shall issue to
  such holder a replacement cheque for the amount of such cheque.</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The provisions of Part III hereof with respect to the fixing of a Corporation
  Determined Quarterly Dividend Rate for a Corporation Determined Term may be
  used by the Corporation, at the earliest, in the period between 45 and 60 days
  prior to the expiry of the Initial Term and, thereafter, may be used by the
  Corporation from time to time during a Corporation Determined Term or a Dealer
  Determined Term or in any Auction Dividend Period, as the case may be, provided
  that, in such circumstances, such provisions are used not earlier than at least
  45 and not more than 60 days prior to the end of the then current Corporation
  Determined Term or Dealer Determined Term or are used not earlier than at least
  20 days and not more than 25 days prior to the end of any Auction Dividend Period,
  as the case may be.</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The provisions of Part IV hereof with respect to solicitation of Dealer
  Offers for the purpose of fixing a Dealer Determined Quarterly Dividend Rate
  for a Dealer Determined Term may be used by the Corporation, at the earliest,
  30 days prior to the expiry of the Initial Term and, thereafter, may be used
  by the Corporation from time to time during a Corporation Determined Term, a
  Dealer Determined Term or any Auction Dividend Period, as the case may be, provided
  that in such circumstances, such provisions are not used earlier than 30 days
  prior to the expiry of such Corporation Determined Term or Dealer Determined
  Term or are not used earlier than 12 days prior to the end of the relevant Auction
  Dividend Period, as the case may be.</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The provisions of Part V hereof shall apply from and after the end of
  the Initial Term and from and after the end of any Corporation Determined Term,
  Dealer Determined Term or Auction Dividend Period, as the case may be, unless
  at any such time the provisions of Part III or Part IV hereof are fully implemented
  in accordance with the terms of those Parts.</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(g)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;For the purposes hereof, including Part I, Part III, Part IV and Part
  V hereof, &#147;accrued and unpaid dividends&#148; means the aggregate of (i)
  all unpaid dividends on the Series L Preferred Shares in respect of any Dividend
  Payment Date for any completed Dividend Period and Auction Dividend Payment
  Date for any completed Auction Dividend Period and (ii) the amount calculated
  as though dividends on each Series L Preferred Share had been accruing on a
  day to day basis in a manner consistent with section 3.7.1.2 hereof from and
  including the date immediately following the most recently completed Dividend
  Period or Auction Dividend Period to but excluding the date on which the computation
  of accrued dividends is to be made provided that, for the purposes of calculating
  accrued and unpaid dividends payable on (x) the Redemption Date in the event
  notice of redemption of the Series L Preferred Shares has been given pursuant
  to the provisions of section 3.7.1.5 or (y) the relevant date for the purposes
  of section 3.7.1.8, the Average Prime Rate, if applicable to the calculation
  of the Corporation Determined Quarterly Dividend Rate for a Corporation Determined
  Term or to the calculation of the Dealer Determined Quarterly Dividend Rate
  for a Dealer Determined Term shall be for the period of 90 days ending on a
  day not more than 7 days prior to the date the written notice of redemption
  is given pursuant to the provisions of section 3.7.1.5 or on the date ending
  on the relevant date for the purpose of section 3.7.1.8, as the case may be.</FONT>
</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.7.2.2</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Notices</I></B></FONT></P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;Any notice or other communication from the Corporation provided for in
  this Part, including without limitation any notice of redemption, shall be in
  writing and shall be sufficiently given if delivered or if sent by ordinary
  unregistered first class prepaid mail, to the holders of the Series L Preferred
  Shares at their respective addresses appearing on the securities register of
  the Corporation, or in the event of the address of any such holder not so appearing,
  then at the last address of such holder known to the Corporation. In addition,
  any notice or other communication from the Corporation during an Auction Term
  or a notice of the Corporation&#146;s intention to redeem Series L Preferred
  Shares on a day which is during an Auction Term shall also be given by telex,
  telecopier or tele-graph communication. Accidental failure to give any notice
  or other communication to </FONT></P>
<P ALIGN="justify">&nbsp;</P>
<hr>
<p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;14&#150;</font></p>
<P ALIGN="justify">&nbsp;</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">one or more
  holders of the Series L Preferred Shares shall not affect the validity of the
  notices or other communications properly given or any action, including the
  redemption of all or any part of the Series L Preferred Shares, taken pursuant
  to such properly given notice or other communication but, upon such failure
  being discovered, the notice or other communication, as the case may be, shall
  be sent forthwith to such holder or holders and shall have the same force and
  effect as if given in due time.</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;If the Corporation determines that mail service is or is threatened to
  be interrupted at the time when the Corporation is required or elects to give
  any notice hereunder by mail, or is required to send any cheque or any share
  certificate to the holder of any Series L Preferred Share, whether in connection
  with the redemption of such share or otherwise, the Corporation may, notwithstanding
  the provisions hereof:</FONT> </P>
<div align="justify">
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(i)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          give such notice by telex, telecopier or telegraph communication or
          by means of publication once in each of two successive weeks in a newspaper
          of general circulation published or distributed in Montr&eacute;al and
          Toronto and such notice shall be deemed to have been given on the date
          on which such telex, telecopier or telegraph communication was given
          or on the date on which the first publication has taken place; and</FONT>
        </P></TD>
    </TR>
  </TABLE>
  <font size="2" face="Arial, Helvetica, sans-serif"><BR>
  </font>
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(ii)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          fulfill the requirement to send such cheque or such share certificate
          by arranging for delivery thereof to the principal office of the Corporation
          in Montr&eacute;al and Toronto, and such cheque and/or certificate shall
          be deemed to have been sent on the date on which notice of such arrangement
          shall have been given as provided in (i) above, provided that as soon
          as the Corporation determines that mail service is no longer interrupted
          or threatened to be interrupted such cheque or share certificate, if
          not theretofore delivered to such holder, shall be sent by ordinary
          unregistered first class prepaid mail to the registered address of each
          person who at the date of mailing is a registered holder and who is
          entitled to receive such cheque or share certificate, or in the event
          of the address of any such holder not so appearing, then at the last
          address of such holder known to the Corporation.</FONT> </P></TD>
    </TR>
  </TABLE>
</div>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.7.2.3</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Voting
  Rights</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;In connection with any action to be taken by the Corporation which requires
  the approval of the holders of the Series L Preferred Shares as a series or
  as holders of First Preferred Shares as a class, each Series L Preferred Share
  shall entitle the holder thereof to 5,000 votes for such purpose.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.7.2.4</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Modification</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The provisions attached to the Series L Preferred Shares may be repealed,
  altered, modified or amended from time to time with such approvals as may then
  be required by the <I>Canada Business Corporations Act</I>, any such approval
  to be given in accordance with section 3.7.2.5.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.7.2.5</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Approval
  of Holders of Series L Preferred Shares</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;Any approval given by the holders of Series L Preferred Shares shall be
  deemed to have been sufficiently given if it shall have been given by the holders
  of Series L Preferred Shares as provided in the provisions attaching to the
  First Preferred Shares as a class, which provisions shall apply <I>mutatis mutandis</I>.</font>
</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.7.2.6</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Tax
  Election</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The Corporation shall elect, in the manner and within the time provided
  under the <I>Income Tax Act </I>(Canada), under section 191.2 of the said Act
  or any successor or replacement provision of similar effect, and take all other
  necessary action under such Act, to pay tax at a rate such that no holder of
  the Series L Preferred Shares will be required to pay tax on dividends received
  on the Series L Preferred Shares under section 187.2 of Part IV.1 of such Act
  or any successor or replacement provision of similar effect.</font> </P>
<P ALIGN="justify">&nbsp;</P>
<hr>
<p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;15&#150;</font></p>
<P ALIGN="justify">&nbsp;</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.7.3</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>PART
  III<br>
  </I></B></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>CORPORATION
  DETERMINED RATE PROCEDURES</I></B></FONT></P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.7.3.1</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Definitions</I></B></FONT></P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &#147;Average Daily Prime Rate&#148; shall have the meaning ascribed to that
  term in Part IV hereof;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Average Prime Rate&#148; shall have the meaning ascribed to that
  term in Part IV hereof;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Bankers&#146; Acceptance Rate&#148;, for any day, shall have the
  meaning attributed thereto in section 3.7.5.1(i) of Part V hereof, provided,
  however, that for the purposes of this Part III references in section 3.7.5.1(i)
  of Part V to (i) the &#147;Auction Date next preceding such Auction Dividend
  Period&#148; shall be deemed to refer to the relevant date for determining the
  Corporation Determined Quarterly Dividend Rate, (ii) &#147;30-day bankers&#146;
  acceptances&#148; shall be deemed to refer to three month bankers&#146; acceptances
  and (iii) &#147;Government of Canada Treasury Bills maturing as nearly as possible
  30 days from such Auction Date&#148; shall be deemed to refer to &#147;Government
  of Canada Treasury Bills maturing as nearly as possible three months from such
  relevant determination date&#148;;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Banks&#148; shall have the meaning ascribed to that term in Part
  IV hereof;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Corporation Determined Percentage&#148; shall mean a percentage
  of the Average Prime Rate or of the Bankers&#146; Acceptance Rate to be selected
  by the Corporation and set forth in the notice referred to in section 3.7.3.2
  of this Part III;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp; &#147;Corporation Determined Quarterly Dividend Rate&#148; shall mean
  one-quarter of the annual dividend rate specified by the Corporation in its
  notice pursuant to section 3.7.3.2 of this Part III, which shall be one of:</FONT>
</P>
<div align="justify">
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(i)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          the Corporation Determined Percentage of the Average Prime Rate determined
          quarterly for each Dividend Payment Date immediately following the Dividend
          Period for which such determination is being made taking into account
          the Average Prime Rate for the period consisting of the three calendar
          months ending on the last day of the calendar month prior to the month
          during which the Dividend Payment Date for which the determination is
          being made falls, or</FONT> </P></TD>
    </TR>
  </TABLE>
  <font size="2" face="Arial, Helvetica, sans-serif"><BR>
  </font>
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(ii)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          the Corporation Determined Percentage of the Bankers&#146; Acceptance
          Rate determined on the first Business Day of the Dividend Period for
          which such determination is being made, or</FONT> </P></TD>
    </TR>
  </TABLE>
  <font size="2" face="Arial, Helvetica, sans-serif"><BR>
  </font>
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(iii)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="LEFT"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          a fixed annual percentage rate.</FONT> </P></TD>
    </TR>
  </TABLE>
</div>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(g)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Corporation Determined Term&#148; shall mean a term, selected by
  the Corporation, consisting of one or more consecutive Dividend Periods commencing
  on a Dividend Payment Date or a Settlement Date on or after June 30, 1994 and
  terminating on the last day of the last Dividend Period selected by the Corporation,
  to which the provisions of this Part III shall apply for the purpose of determining
  the dividend to be paid on each Dividend Payment Date relating to such term,
  provided that such term and the dividend rate applicable thereto have been approved
  by the holders of the Series L Preferred Shares in accordance with section 3.7.3.3
  of this Part III; and</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(h)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Daily Prime Rate&#148; shall have the meaning ascribed to that term
  in Part IV hereof.</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">Terms defined
  in Part IV or Part V hereof and used but not defined in this Part III shall
  have the meaning attributed thereto in Part IV or Part V as the case may be.</FONT>
</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.7.3.2</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Determination
  of New Dividend Rate</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;At least 45 and not more than 60 days before expiry of the Initial Term
  or the then current Corporation Determined Term or Dealer Determined Term or
  at least 20 and not more than 25 days before the </font></P>
<P ALIGN="justify">&nbsp;</P>
<hr>
<p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;16&#150;</font></p>
<P ALIGN="justify">&nbsp;</P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">end of the
  relevant Auction Dividend Period, as the case may be, the Corporation may notify
  the holders of Series L Preferred Shares of a proposed Corporation Determined
  Quarterly Dividend Rate for a proposed Corporation Determined Term. Such notification
  to such holders shall also:</font> </P>
<div align="justify">
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(i)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          specify a date by which each holder must notify the Corporation in writing
          of its acceptance of the proposed Corporation Determined Quarterly Dividend
          Rate and the Corporation Determined Term, if such holder intends to
          accept such terms, which date shall be at least 35 days prior to the
          end of the Initial Term or to the then current Corporation Determined
          Term or Dealer Determined Term or at least 15 days prior to the end
          of the relevant Auction Dividend Period, as the case may be; and</FONT>
        </P></TD>
    </TR>
  </TABLE>
  <font size="2" face="Arial, Helvetica, sans-serif"><BR>
  </font>
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(ii)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          specify that the proposed Corporation Determined Quarterly Dividend
          Rate and proposed Corporation Determined Term shall become effective
          for the purposes of determining the dividends to be paid on the Dividend
          Payment Dates for Dividend Periods during such proposed Corporation
          Determined Term only if all of the holders of Series L Preferred Shares
          accept such terms.</FONT> </P></TD>
    </TR>
  </TABLE>
</div>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.7.3.3</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Acceptance
  of Corporation Determined Quarterly Dividend Rate</I></B></FONT></P>
<div align="justify">
  <p><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If,</font></p>
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(i)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          by the time prescribed in paragraph (i) of section 3.7.3.2 of this Part
          III, all of the holders of Series L Preferred Shares have accepted the
          Corporation Determined Quarterly Dividend Rate and the Corporation Determined
          Term as evidenced by notice in writing to the Corporation, and</FONT>
        </P></TD>
    </TR>
  </TABLE>
  <font size="2" face="Arial, Helvetica, sans-serif"><BR>
  </font>
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(ii)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          at least 30 days before expiry of the Initial Term or the then current
          Corporation Determined Term or Dealer Determined Term or at least 12
          days before the end of the relevant Auction Dividend Period, as the
          case may be, the Corporation has notified all of such holders that each
          of them has agreed with the Corporation on such terms;</FONT> </P></TD>
    </TR>
  </TABLE>
</div>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">such Corporation
  Determined Quarterly Dividend Rate and Corporation Determined Term shall apply
  for the purposes of determining the dividend to be paid to the holders of Series
  L Preferred Shares, from time to time, on each of the Series L Preferred Shares
  on each Dividend Payment Date for Dividend Periods during such Corporation Determined
  Term.</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.7.3.4</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Miscellaneous</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;In the event that there is any inconsistency, ambiguity or uncertainty
  in the interpretation or application of the procedures set forth in this Part,
  the Directors of the Corporation (or any person or persons designated by the
  Directors) may, in such manner as they shall determine in their sole discretion,
  interpret such procedures in order to deal with such inconsistency, ambiguity
  or uncertainty and any such determination evidenced by a certificate of the
  Corporate Secretary of the Corporation (which shall be provided to holders of
  Series L Preferred Shares upon request) shall be conclusive.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.7.4</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>PART
  IV<br>
  </I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>
  </I></B></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>DEALER
  BIDS PROCEDURES</I></B></FONT></P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.7.4.1</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Definitions</I></B></FONT></P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Average Daily Prime Rate&#148; shall mean, for any day, the arithmetic
  average, rounded to the nearest one-hundredth of one percent (0.0l%), of the
  Daily Prime Rates of the Banks on such day; provided that, if on such day there
  shall be no Daily Prime Rate for one or two of the Banks, the Average Daily
  Prime Rate for such day shall be the Daily Prime Rate of the other one Bank
  or the average of the Daily Prime Rates of the other two Banks, as the case
  may be, and further provided that if on such day there shall be no Daily Prime
  Rate for any of the Banks, the Average Daily Prime Rate for such day shall be
  1.5% above the average yield per annum </FONT></P>
<P ALIGN="justify">&nbsp;</P>
<hr>
<p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;17&#150;</font></p>
<P ALIGN="justify">&nbsp;</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">on 91-day
  Government of Canada Treasury Bills as reported by the Bank of Canada for the
  most recent weekly tender preceding such day;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Average Prime Rate&#148; shall mean, for any period consisting of
  one or more days, the arithmetic average (rounded to the nearest one-hundredth
  of one percent (0.01%)) of the Average Daily Prime Rate for each day during
  such period;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Bankers&#146; Acceptance Rate&#148;, for any day, shall have the
  meaning attributed thereto in section 3.7.5.1(i) of Part V hereof, provided,
  however, that for the purpose of this Part IV references in section 3.7.5.1(i)
  of Part V to (i) the &#147;Auction Date next preceding such Auction Dividend
  Period&#148; shall be deemed to refer to the relevant date for determining the
  Dealer Determined Quarterly Dividend Rate, (ii) &#147;30-day bankers&#146; acceptances&#148;
  shall be deemed to refer to three month bankers&#146; acceptances and (iii)
  &#147;Government of Canada Treasury Bills maturing as nearly as possible 30
  days from such Auction Date&#148; shall be deemed to refer to &#147;Government
  of Canada Treasury Bills maturing as nearly as possible three months from such
  relevant determination date;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Banks&#148; shall mean The Royal Bank of Canada, Bank of Montreal
  and The Toronto-Dominion Bank, and the term &#147;Bank&#148; shall mean one
  of the Banks and, for the purposes of this definition, &#147;Banks&#148; shall
  include any bank with which one or more of such Banks may merge and any bank
  which may become a successor to the business of one of such Banks;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Daily Prime Rate&#148; shall mean, for any Bank, on any day, the
  annual prime commercial lending rate of interest established and announced as
  the reference rate of interest used by such Bank on such day to determine the
  rates of interest such Bank will charge on Canadian dollar loans to customers
  in Canada and designated by such Bank as its prime rate;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Dealer&#148; shall mean any registered investment dealer or other
  entity permitted by law to perform the functions required of a dealer in this
  Part IV;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(g)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Dealer Determined Percentage&#148; shall mean a percentage of the
  Average Prime Rate or the Bankers&#146; Acceptance Rate to be selected by each
  Dealer and to be set forth in each Dealer Offer in accordance with section 3.7.4.2(b)
  of this Part IV;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(h)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Dealer Determined Quarterly Dividend Rate&#148; shall mean one-quarter
  of the annual dividend rate specified by the Dealer in the Accepted Dealer Offer
  which shall be one of:</FONT> </P>
<div align="justify">
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(i)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          the Dealer Determined Percentage of the Average Prime Rate determined
          quarterly for each Dividend Payment Date immediately following the Dividend
          Period for which such determination is being made taking into account
          the Average Prime Rate for the period consisting of the three calendar
          months ending on the last day of the calendar month prior to the month
          during which the Dividend Payment Date for which the determination is
          being made falls, or</FONT> </P></TD>
    </TR>
  </TABLE>
  <font size="2" face="Arial, Helvetica, sans-serif"><br>
  </font>
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(ii)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          the Dealer Determined Percentage of the Bankers&#146; Acceptance Rate
          determined on the first Business Day of the Dividend Period for which
          such determination is being made, or</FONT> </P></TD>
    </TR>
  </TABLE>
  <font size="2" face="Arial, Helvetica, sans-serif"><br>
  </font>
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(iii)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="LEFT"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          a fixed annual percentage rate.</FONT> </P></TD>
    </TR>
  </TABLE>
  <p><font size="2" face="Arial, Helvetica, sans-serif">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    &nbsp;&#147;Dealer Determined Term&#148; shall mean a term selected by a Dealer
    consisting of one or more consecutive Dividend Periods commencing on a Dividend
    Payment Date or Settlement Date on or after June 30, 1994 and terminating
    on the last day of the last Dividend Period selected by such Dealer to which
    the provisions of this Part IV shall apply for the purpose of determining
    the dividend to be paid on each Dividend Payment Date relating to such Term;</font></p>
</div>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(j)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Dealer Offer&#148; shall mean a written irrevocable and unconditional
  offer from a Dealer in response to a Notice Requesting Bids to purchase all
  of the Series L Preferred Shares on the day of expiry of the Initial Term or
  the then current Corporation Determined Term or Dealer Determined Term or any
  Auction Dividend Period, as the case may be, at a purchase price per Series
  L Preferred Share equal to $500,000 and </FONT></P>
<P ALIGN="justify">&nbsp;</P>
<hr>
<p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;18&#150;</font></p>
<P ALIGN="justify">&nbsp;</P>
<p><FONT size="2" FACE="Arial, Helvetica, sans-serif">containing the information
  specified in section 3.7.4.2(b) of this Part IV;</FONT> </p>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(k)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Dealer Response Date&#148; shall have the meaning ascribed thereto
  in section 3.7.4.2(a) of this Part&nbsp;IV;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(l)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Notice Requesting Bids&#148; shall mean a notice from the Corporation
  to one or more Dealers requesting them to submit Dealer Offers as provided for
  in section 3.7.4.2(a) of this Part IV; and</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(m)&nbsp;&nbsp;&nbsp;
  &#147;Notification to Holders&#148; shall mean the notification from the Corporation
  to holders of Series L Preferred Shares of the acceptance of a Dealer Offer
  as provided for in section 3.7.4.2(d) of this Part IV.</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">Terms defined
  in Part V hereof and used but not defined in this Part IV shall have the meanings
  attributed thereto in Part&nbsp;V.</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.7.4.2</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Bids
  by Dealers</I></B></FONT></P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;At least 25 and not more than 30 days before expiry of the Initial Term,
  at least 25 and not more than 30 days prior to the end of each Corporation Determined
  Term or Dealer Determined Term and at least 10 days and not more than 13 days
  prior to the end of the relevant Auction Dividend Period, as the case may be,
  the Corporation may solicit bids from one or more Dealers for the purchase of
  all of the Series L Preferred Shares. Such solicitation shall be contained in
  a notice (&#147;Notice Requesting Bids&#148;) to be sent by the Corporation
  to such Dealers which notice shall:</FONT> </P>
<div align="justify">
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(i)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="LEFT"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          invite each Dealer to submit to the Corporation a Dealer Offer; and</FONT>
        </P></TD>
    </TR>
  </TABLE>
  <font size="2" face="Arial, Helvetica, sans-serif"><BR>
  </font>
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(ii)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          specify a date, which shall be not more than 10 days after the giving
          of such notice except if such notice is given during an Auction Dividend
          Period in which case the date specified shall not be more than 5 days
          after the giving of such notice, by which any such offer must be received
          (the &#147;Dealer Response Date) by the Corporation.</FONT> </P></TD>
    </TR>
  </TABLE>
</div>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;Each Dealer receiving a Notice Requesting Bids may submit a Dealer Offer
  provided such Dealer does so by the Dealer Response Date and provided that such
  Dealer Offer specifies:</FONT> </P>
<div align="justify">
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(i)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          a Dealer Determined Quarterly Dividend Rate (and, in connection therewith,
          unless a fixed rate is specified, the Dealer Determined Percentage of
          the Average Prime Rate or Bankers&#146; Acceptance Rate, as the case
          may be);</FONT> </P></TD>
    </TR>
  </TABLE>
  <font size="2" face="Arial, Helvetica, sans-serif"><BR>
  </font>
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(ii)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          a Dealer Determined Term for which the Dealer Determined Quarterly Dividend
          Rate referred to in paragraph (i) of this section 3.7.4.2(b) will apply;
          and</FONT> </P></TD>
    </TR>
  </TABLE>
  <font size="2" face="Arial, Helvetica, sans-serif"><BR>
  </font>
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(iii)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          the amount of any fee to be paid by the Corporation to the Dealer in
          connection with the purchase of Series L Preferred Shares pursuant to
          the Dealer Offer.</FONT> </P></TD>
    </TR>
  </TABLE>
  <font size="2" face="Arial, Helvetica, sans-serif"> </font> </div>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;If the Corporation wishes to accept a Dealer Offer, it shall signify such
  acceptance on or before 15 days prior to expiry of the Initial Period or the
  then current Corporation Determined Term or Dealer Determined Term or on or
  before 5 days prior to the end of the relevant Auction Dividend Period, as the
  case may be, by notice to the Dealer whose Dealer Offer it accepts (&#147;Accepted
  Dealer Offer&#148;). The Dealer whose Dealer Offer is accepted will be required
  to purchase all of the Series L Preferred Shares not retained by the existing
  holders on the day of the expiry of the Initial Term or the then current Corporation
  Determined Term, Dealer Determined Term or Auction Dividend Period, as the case
  may be, on the terms and subject to the conditions contained in the Accepted
  Dealer Offer.</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;Concurrently with its acceptance of a Dealer Offer, and in any event not
  later than 15 days prior to expiry of the Initial Term or the then current Corporation
  Determined Term or Dealer Determined Term or not later than 5 days prior to
  the end of the relevant Auction Dividend Period, as the case may be, the Corporation
  shall notify (&#147;Notification to Holders&#148;) each existing holder of Series
  L Preferred Shares that the Corporation has accepted a Dealer Offer. Such notification
  shall:</FONT> </P>
<P ALIGN="justify">&nbsp;</P>
<hr>
<p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;19&#150;</font></p>
<P ALIGN="justify">&nbsp;</P>
<div align="justify">
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(i)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="LEFT"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          specify the Dealer Determined Quarterly Dividend Rate to apply to the
          Series L Preferred Shares;</FONT> </P></TD>
    </TR>
  </TABLE>
  <font size="2" face="Arial, Helvetica, sans-serif"><BR>
  </font>
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(ii)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          the Dealer Determined Term for which the Dealer Determined Quarterly
          Dividend Rate referred to in paragraph (i) of this section 3.7.4.2(d)
          will apply;</FONT> </P></TD>
    </TR>
  </TABLE>
  <font size="2" face="Arial, Helvetica, sans-serif"><BR>
  </font>
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(iii)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          notify such holders of the right of each holder either to sell all or
          some of the Series L Preferred Shares it holds to such Dealer or to
          continue to hold all or some of the Series L Preferred Shares it then
          holds;</FONT> </P></TD>
    </TR>
  </TABLE>
  <font size="2" face="Arial, Helvetica, sans-serif"><BR>
  </font>
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(iv)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          notify such holders of the date (which shall be on or before the sixth
          day prior to the expiry of the Initial Term or the then current Corporation
          Determined Term, Dealer Determined Term or on or before the second day
          prior to the expiry of the relevant Auction Dividend Period, as the
          case may be) by which such holder must notify in writing the Corporation
          and the Dealer whose Dealer Offer has been accepted of its decision
          to sell some or all of the Series L Preferred Shares it holds as provided
          for in section 3.7.4.2(e) of this Part IV; and</FONT> </P></TD>
    </TR>
  </TABLE>
  <font size="2" face="Arial, Helvetica, sans-serif"><BR>
  </font>
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(v)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="LEFT"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          identify the Dealer whose Dealer Offer has been accepted.</FONT> </P></TD>
    </TR>
  </TABLE>
</div>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;Upon receipt of the Notification to Holders, an existing holder of Series
  L Preferred Shares may elect to sell Series L Preferred Shares in accordance
  with the terms specified in such Notification to Holders by notifying the Corporation
  in writing of such decision and of the number of shares to be sold. Each holder
  of Series L Preferred Shares who elects to sell all or a part of its holdings
  of Series L Preferred Shares shall, together with such notice, deposit the certificate
  or certificates representing Series L Preferred Shares which such holder desires
  to sell (with the transfer panel on such certificate duly completed and signed
  or, in the alternative, with a duly completed stock transfer power of attorney
  accompanying such certificate or certificates) at the registered office of the
  Corporation, or at any place where the Series L Preferred Shares may be transferred
  or at any other place or places in Canada specified by the Corporation to holders
  of the Series L Preferred Shares in the Notification to Holders. If a holder
  of Series L Preferred Shares wishes to sell only some of the Series L Preferred
  Shares represented by any share certificate or certificates, the holder may
  deposit the certificate or certificates with the Corporation, as aforementioned,
  and the Corporation shall issue and deliver to such holder, at the expense of
  the Corporation, a new share certificate representing the Series L Preferred
  Shares which are not being delivered for sale. Any holder of Series L Preferred
  Shares that fails to respond to the Notification to Holders by the date specified
  for response therein will be deemed to have elected to continue to hold all
  of the Series L Preferred Shares then held by it subject to the terms and conditions
  as to the Dealer Determined Quarterly Dividend Rate and the Dealer Determined
  Term which are set forth in the Notification to Holders. The Corporation shall
  have all such powers and authority as may be necessary to determine finally
  the adequacy of all transfer instruments and related matters with respect to
  the sale of shares by an existing holder to a Dealer hereunder. Any determination
  by the Corporation to the effect that any instrument of transfer is incomplete
  or ineffective shall bind the holder intending to sell any of its Series L Preferred
  Shares pursuant to the provisions of this Part IV and shall also bind the Dealer
  in question.</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;At least one Business Day prior to the end of the Initial Term, or the
  then current Corporation Determined Term or Dealer Determined Term or any Auction
  Dividend Period, as the case may be, the Corporation shall notify the Dealer
  submitting the Accepted Dealer Offer of the number of shares to be purchased
  by such Dealer in accordance with section 3.7.4.2(e) of this Part IV and of
  the identity of the vendor or vendors thereof.</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(g)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;On the day of expiry of the Initial Term, the Corporation Determined Term,
  Dealer Determined Term or on the Settlement Date immediately following the expiry
  of the relevant Auction Dividend Period, as the case may be, the Dealer submitting
  the Accepted Dealer Offer will purchase the Series L Preferred Shares from the
  holders specified in section 3.7.4.2(f) of this Part IV, at the purchase price
  as set out in section 3.7.4.1(j) of this Part IV. For the purposes of completing
  such purchase, the Dealer submitting the Accepted Dealer Offer shall deposit
  with the Corporation, at its registered office, on or prior to noon (Montr&eacute;al
  time) on such date, a certified cheque payable to the Corporation, as agent
  for the vendors referred to in section 3.7.4.2(f) of this Part IV, representing
  the aggregate purchase price of the Series L Preferred Shares to be purchased
  pursuant to this section 3.7.4.2(g) together with a direction as to registration
  particulars with respect to such </FONT></P>
<P ALIGN="justify">&nbsp;</P>
<hr>
<p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;20&#150;</font></p>
<P ALIGN="justify">&nbsp;</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">Series L
  Preferred Shares to be purchased. Upon receipt of such certified cheque as aforesaid,
  the Corporation shall deliver to the vendors at the registered office of the
  Corporation cheques payable to the vendors in payment of the purchase price
  for such Series L Preferred Shares.</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.7.4.3</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Termination
  of Application</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;Notwithstanding the acceptance of a Dealer Offer as provided for in this
  Part IV, the Corporation may notify the holders that the Corporation does not
  intend to proceed to implement application of the Dealer Determined Quarterly
  Dividend Rate and Dealer Determined Term as set forth in the Notification to
  Holders provided that such notification is given by the Corporation to existing
  holders on or before expiry of the Initial Term or the then current Corporation
  Determined Term or Dealer Determined Term or the relevant Auction Dividend Period,
  as the case may be. In such circumstances, the provisions of Part V hereof shall
  be applied in accordance with such Part and, for greater certainty, the Dealer
  whose Dealer Offer has been accepted, shall not be obliged to purchase any Series
  L Preferred Shares pursuant to such Dealer Offer. Any such notification shall
  not limit or restrict the right of the Corporation, prior to the expiry of any
  subsequent Corporation Determined Term, Dealer Determined Term or Auction Dividend
  Period, as the case may be, to implement the provisions of this Part IV by forwarding
  a Notice Requesting Bids to one or more Dealers.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.7.4.4</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Miscellaneous</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;In the event that there is any inconsistency, ambiguity or uncertainty
  in the interpretation or application of the procedure set forth in this Part,
  the Directors of the Corporation (or any person or persons designated by the
  Directors) may, in such manner as they shall determine in their sole discretion,
  interpret such procedures in order to deal with such inconsistency, ambiguity
  or uncertainty and any such determination evidenced by a certificate of the
  Corporate Secretary of the Corporation (which shall be provided to holders of
  Series L Preferred Shares upon request) shall be conclusive.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.7.5</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>PART
  V<br>
  </I></B></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>AUCTION
  PROCEDURES</I></B></FONT></P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.7.5.1</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Certain
  Definitions</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;For the purposes of Part V hereof the following expressions have the following
  meaning:</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Auction&#148; shall mean the periodic operation of the procedures
  set forth in this Part;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &#147;Auction Date&#148; shall mean the third Tuesday of each calendar month
  of each Auction Dividend Period included within an Auction Term or, if such
  Tuesday is not a Business Day, the next preceding Business Day;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Auction Dividend Payment Date&#148; shall mean the first Business
  Day following the Settlement Date;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Auction Dividend Period&#148; shall mean, with respect to the first
  Auction Dividend Period of any Auction Term, the period from and including the
  immediately preceding Dividend Payment Date to but excluding the first Settlement
  Date and, with respect to any subsequent Auction Dividend Period, shall mean
  the period from and including each Settlement Date to but excluding the next
  succeeding Settlement Date;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Auction Manager&#148; shall mean the Corporation or other person
  or any successor thereto, duly appointed or to be appointed as Auction Manager
  in respect of the Series L Preferred Shares and entering into an Auction Manager
  Agreement with the Corporation;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Auction Manager Agreement&#148; shall mean an agreement made between
  the Auction Manager, if other than the Corporation, and the Corporation which
  provides, among other things, that the Auction Manager will follow the procedures
  set forth in this Part V for the purposes of determining the Current Dividend
  Rate for the Series L Preferred Shares;</FONT></P>
<p>&nbsp;</p>
<hr>
<p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;21&#150;</font></p>
<p>&nbsp;</p>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(g)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&#147;Auction
  Term&#148; shall mean any term of not less than two consecutive Auction Dividend
  Periods with respect to which the Auction Procedures in this Part V apply commencing
  on the first day of the first of such Auction Dividend Periods and terminating
  on the last day of any subsequent Auction Dividend Period which immediately
  precedes the beginning of a Corporation Determined Term or a Dealer Determined
  Term, as the case may be;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(h)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&#147;Available
  Shares&#148; shall have the meaning specified in paragraph (i) of section 3.7.5.4(a)
  of this Part;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &#147;Bankers&#146; Acceptance Rate&#148; shall mean with respect to any Auction
  Dividend Period, the rate per annum equal to</FONT> </P>
<div align="justify">
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="9%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(A)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="88%"><P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          the simple average (rounded to the nearest one-hundredth of one percent
          (0.01%)) of the rates per annum quoted by RBC Dominion Securities Inc.
          (or any successor) and Wood Gundy Inc. (or any successor) where such
          rates per annum, quoted by such dealers, are equal to the simple average
          (rounded to the nearest one-hundredth of one percent (0.0l%)) of the
          bid and ask rates of the yields to maturity quoted by each of RBC Dominion
          Securities Inc. (or any successor) and Wood Gundy Inc. (or any successor)
          (rounded upward to the nearest one-thousandth of one percent (0.00l%)),
          as at 10:00 a.m., Montr&eacute;al time, on the Auction Date next preceding
          each Auction Dividend Period, on 30-day bankers&#146; acceptances accepted
          by such of the Bank of Montreal, The Toronto-Dominion Bank, Canadian
          Imperial Bank of Commerce, The Royal Bank of Canada and The Bank of
          Nova Scotia (or their respective successors) as are accepting 30-day
          bankers&#146; acceptances on such Auction Date;</FONT> </P></TD>
    </TR>
  </TABLE>
  <font size="2" face="Arial, Helvetica, sans-serif"><BR>
  </font>
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="9%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(B)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="88%"><P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          in the event one of RBC Dominion Securities Inc. (or any successor)
          and Wood Gundy Inc. (or any successor) is unable or does not for any
          reason quote the bid and ask rates per annum referred to in section
          3.7.5.1(i)(A) above as at 10:00 a.m., Montr&eacute;al time on such Auction
          Date, such rate shall be the simple average rounded to the nearest one-hundredth
          of one percent (0.01%) of the bid and ask rates per annum on such date
          quoted by the other; or</FONT> </P></TD>
    </TR>
  </TABLE>
  <font size="2" face="Arial, Helvetica, sans-serif"><BR>
  </font>
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="9%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(C)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="88%"><P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          in the event that both RBC Dominion Securities Inc. (or any successor)
          and Wood Gundy Inc. (or any successor) are unable to or do not for any
          reason quote rates, as at 10:00 a.m., Montr&eacute;al time, on such
          Auction Date (including without limitation, where none of the Bank of
          Montreal, The Toronto-Dominion Bank, Canadian Imperial Bank of Commerce,
          The Royal Bank of Canada or The Bank of Nova Scotia is accepting 30-day
          bankers&#146; acceptances on such Auction Date) for the purpose of determining
          the Bankers&#146; Acceptance Rate in accordance with (A) or (B) above,
          such rate shall be 0.2% plus the simple average (rounded to the nearest
          one-hundredth of one percent (0.01%)) of each rate per annum which is
          equal to the simple average (rounded to the nearest one-hundredth of
          one percent (0.01%)) of the bid and ask rates of the yields to maturity
          quoted by each of RBC Dominion Securities Inc. (or any successor), Wood
          Gundy Inc. (or any successor) (rounded upward to the nearest one-thousandth
          of one percent (0.001%)), as of 10:00 a.m., Montr&eacute;al time on
          such Auction Date, on Government of Canada Treasury Bills maturing as
          nearly as possible 30 days from such Auction Date;</FONT> </P></TD>
    </TR>
  </TABLE>
</div>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(j)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &#147;Bid&#148; and &#147;Bids&#148; shall have the respective meanings specified
  in section 3.7.5.2(a) of this Part;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(k)&nbsp;&nbsp;&nbsp;&nbsp;
  &#147;Bidder&#148; and &#147;Bidders&#148; shall have the respective meanings
  specified in section 3.7.5.2(a) of this Part;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(l)&nbsp;&nbsp;&nbsp;&nbsp;
  &#147;Business Day&#148; shall mean a day on which both the Montreal Exchange
  and The Toronto Stock Exchange or any successor facilities and the Auction Manager
  are open for business;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(m)&nbsp;&nbsp;
  &#147;Current Dividend Rate&#148; shall be the rate per annum which has been
  determined in accordance with section 3.7.5.4(b) of this Part for the next succeeding
  Auction Dividend Period;</FONT> </P>
<P ALIGN="justify">&nbsp;</P>
<hr>
<p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;22&#150;</font></p>
<p>&nbsp;</p>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(n)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &#147;Dealer&#148; shall mean any registered investment dealer or other entity
  permitted by law to perform the functions required of a Dealer in this Part
  that has entered into a Dealer Agreement with the Auction Manager that remains
  effective;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(o)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &#147;Dealer Agreement&#148; shall mean an agreement between the Auction Manager
  and a Dealer pursuant to which the Dealer agrees to participate in Auctions
  in compliance with the procedures set forth in this Part;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(p)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &#147;Existing Holder&#148; shall mean a holder of Series L Preferred Shares
  (i) who has signed a Purchaser&#146;s Letter, (ii) who has delivered or caused
  to be delivered such Purchaser&#146;s Letter to the Auction Manager and to any
  Dealer to which such Existing Holder submits information pursuant to section
  3.7.5.2(a) of this Part V, and (iii) who is registered in the ledger maintained
  by the Auction Manager in respect of holders of Series L Preferred Shares;</FONT>
</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(q)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &#147;held by&#148; with respect to any Series L Preferred Shares registered
  in the name of the Auction Manager shall include such shares beneficially owned
  by an Existing Holder;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(r)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &#147;Hold Order&#148; and &#147;Hold Orders&#148; shall have the respective
  meanings specified in section 3.7.5.2(a) of this Part;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(s)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &#147;Maximum Rate&#148; with respect to any Auction Dividend Period shall mean
  0.40% plus the Bankers&#146; Acceptance Rate determined on the Auction Date;</FONT>
</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(t)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &#147;Order&#148; and &#147;Orders&#148; shall have the respective meanings
  specified in section 3.7.5.2(a) of this Part;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(u)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &#147;Potential Holder&#148; shall mean any person, including any Existing Holder,
  (i) who has executed a Purchaser&#146;s Letter, (ii) who has delivered or caused
  to be delivered such Purchaser&#146;s Letter to the Auction Manager and to any
  Dealer to which such Potential Holder submits information pursuant to section
  3.7.5.2(a) of this Part V and (iii) who may be interested in acquiring Series
  L Preferred Shares (or, in the case of an Existing Holder, additional Series
  L Preferred Shares);</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(v)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &#147;Purchaser&#146;s Letter&#148; shall mean a letter addressed to the Auction
  Manager and a Dealer in which a person agrees, among other things, to be bound
  by the procedures set forth in this Part in the event such person participates
  in an Auction;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(w)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &#147;Remaining Shares&#148; shall have the meaning specified in paragraph (iv)
  of section 3.7.5.5(a) of this Part;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(x)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &#147;Sell Order&#148; and &#147;Sell Orders&#148; shall have the respective
  meanings specified in section 3.7.5.2(a) of this Part;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(y)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &#147;Settlement Date&#148; shall mean the first Business Day following the
  Auction Date;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(z)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &#147;Submission Deadline&#148; shall mean 11:00 a.m., Montr&eacute;al time,
  on any Auction Date or such later time on any Auction Date, as specified by
  the Auction Manager from time to time, by which Dealers are required to submit
  Orders to the Auction Manager;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(aa)&nbsp;&nbsp;&nbsp;
  &#147;Submitted Bid&#148; and &#147;Submitted Bids&#148; shall have the respective
  meanings specified in section 3.7.5.4(a) of this Part;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(bb)&nbsp;&nbsp;&nbsp;
  &#147;Submitted Hold Order&#148; and &#147;Submitted Hold Orders&#148; shall
  have the respective meanings specified in section 3.7.5.4(a) of this Part;</FONT>
</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(cc)&nbsp;&nbsp;&nbsp;
  &#147;Submitted Order&#148; and &#147;Submitted Orders&#148; shall have the
  respective meanings specified in section 3.7.5.4(a)of this Part;</FONT> </P>
<P ALIGN="justify">&nbsp;</P>
<hr>
<p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;23&#150;</font></p>
<p>&nbsp;</p>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">(dd) &nbsp;&nbsp;&nbsp;"Submitted
  Sell Order" and "Submitted Sell Orders" shall have the respective meanings specified
  in section 3.7.5.4(a) of this Part; </font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(ee)&nbsp;&nbsp;&nbsp;&nbsp;&#147;Sufficient
  Clearing Bids&#148; shall have the meaning specified in section 3.7.5.4(a) of
  this Part; and</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(ff)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &#147;Winning Bid Rate&#148; shall be the rate per annum determined in accordance
  with section 3.7.5.4(a) of this Part.</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.7.5.2
  </I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Orders by Existing Holders and Potential
  Holders</I></B></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif"> </FONT></P>
<table width="99%" border="0">
  <tr>
    <td width="12%"><font size="2" face="Arial, Helvetica, sans-serif">(a)</font></td>
    <td colspan="3"><font size="2" face="Arial, Helvetica, sans-serif">Prior to
      the Submission Deadline on each Auction Date:</font></td>
  </tr>
  <tr>
    <td width="12%">&nbsp;</td>
    <td width="12%">&nbsp;</td>
    <td width="10%">&nbsp;</td>
    <td width="66%">&nbsp;</td>
  </tr>
  <tr>
    <td width="12%">&nbsp;</td>
    <td width="12%" valign="top"><font size="2" face="Arial, Helvetica, sans-serif">(i)</font></td>
    <td colspan="2"> <div align="justify"><font size="2" face="Arial, Helvetica, sans-serif">
        each Existing Holder may submit to a Dealer information as to the number
        of Series L Preferred Shares, if any, held by such Existing Holder which
        such Existing Holder:</font> </div></td>
  </tr>
  <tr>
    <td width="12%">&nbsp;</td>
    <td width="12%">&nbsp;</td>
    <td width="10%">&nbsp;</td>
    <td width="66%">&nbsp;</td>
  </tr>
  <tr>
    <td width="12%">&nbsp;</td>
    <td width="12%">&nbsp;</td>
    <td width="10%" valign="top"><div align="left"><font size="2" face="Arial, Helvetica, sans-serif">(A)</font></div></td>
    <td width="66%"><div align="justify"><font size="2" face="Arial, Helvetica, sans-serif">desires
        to continue to hold without regard to the Current Dividend Rate for the
        next succeeding Auction Dividend Period; and/or</font> </div></td>
  </tr>
  <tr>
    <td width="12%">&nbsp;</td>
    <td width="12%">&nbsp;</td>
    <td width="10%">&nbsp;</td>
    <td width="66%">&nbsp;</td>
  </tr>
  <tr>
    <td width="12%">&nbsp;</td>
    <td width="12%">&nbsp;</td>
    <td width="10%" valign="top"><div align="left"><font size="2" face="Arial, Helvetica, sans-serif">(B)</font></div></td>
    <td width="66%"><div align="justify"><font size="2" face="Arial, Helvetica, sans-serif">
        desires to continue to hold, provided that the Current Dividend Rate for
        the next succeeding Auction Dividend Period shall not be less than the
        rate per annum specified by such Existing Holder; and/or</font> </div></td>
  </tr>
  <tr>
    <td width="12%">&nbsp;</td>
    <td width="12%">&nbsp;</td>
    <td width="10%">&nbsp;</td>
    <td width="66%">&nbsp;</td>
  </tr>
  <tr>
    <td width="12%">&nbsp;</td>
    <td width="12%">&nbsp;</td>
    <td width="10%" valign="top"><div align="left"><font size="2" face="Arial, Helvetica, sans-serif">(C)</font></div></td>
    <td width="66%"><div align="justify"><font size="2" face="Arial, Helvetica, sans-serif">
        offers to sell without regard to the Current Dividend Rate for the next
        succeeding Auction Dividend Period; </font></div></td>
  </tr>
  <tr>
    <td width="12%">&nbsp;</td>
    <td width="12%">&nbsp;</td>
    <td width="10%">&nbsp;</td>
    <td width="66%">&nbsp;</td>
  </tr>
  <tr>
    <td width="12%">&nbsp;</td>
    <td width="12%"><font size="2" face="Arial, Helvetica, sans-serif">and</font></td>
    <td width="10%">&nbsp;</td>
    <td width="66%">&nbsp;</td>
  </tr>
  <tr>
    <td>&nbsp;</td>
    <td>&nbsp;</td>
    <td>&nbsp;</td>
    <td>&nbsp;</td>
  </tr>
  <tr>
    <td>&nbsp;</td>
    <td valign="top"><font size="2" face="Arial, Helvetica, sans-serif">(ii)</font></td>
    <td colspan="2"><div align="justify"><font size="2" face="Arial, Helvetica, sans-serif">Potential
        Holders may submit to a Dealer offers to purchase Series L Preferred Shares,
        provided that any such offer shall be effective only if the Current Dividend
        Rate for the next succeeding Dividend Period shall not be less than the
        rate per annum specified by such Potential Holder.</font> </div></td>
  </tr>
</table>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">The communication
  to a Dealer of the information referred to in this section 3.7.5.2(a) is an
  &#147;Order&#148; and, collectively, are &#147;Orders&#148;, and each Existing
  Holder and each Potential Holder placing an Order is a &#147;Bidder&#148; and,
  collectively, are &#147;Bidders&#148;; an Order containing the information referred
  to in sub-paragraph (i)(A) of this section 3.7.5.2(a) is a &#147;Hold Order&#148;
  and, collectively, are &#147;Hold Orders&#148;; an Order containing the information
  referred to in subparagraph (i)(B) or paragraph (ii) of this section 3.7.5.2(a)
  is a &#147;Bid&#148; and, collectively, are &#147;Bids&#148;; and an Order containing
  the information referred to in subparagraph (i)(C) of this section 3.7.5.2(a)
  is a &#147;Sell Order&#148; and, collectively, are &#147;Sell Orders&#148;.</FONT>
</P>
<table width="99%" border="0">
  <tr>
    <td width="12%" valign="top"><font size="2" face="Arial, Helvetica, sans-serif">(b)</font></td>
    <td width="12%" valign="top"><font size="2" face="Arial, Helvetica, sans-serif">(i)</font></td>
    <td colspan="2"> <div align="justify"><font size="2" face="Arial, Helvetica, sans-serif">A
        Bid by an Existing Holder shall constitute an irrevocable offer to sell:</font>
        <font size="2" face="Arial, Helvetica, sans-serif"> </font></div></td>
  </tr>
  <tr>
    <td width="12%">&nbsp;</td>
    <td width="12%">&nbsp;</td>
    <td width="10%">&nbsp;</td>
    <td width="66%">&nbsp;</td>
  </tr>
  <tr>
    <td width="12%">&nbsp;</td>
    <td width="12%">&nbsp;</td>
    <td width="10%" valign="top"><div align="left"><font size="2" face="Arial, Helvetica, sans-serif">(A)</font></div></td>
    <td width="66%"><div align="justify"><font size="2" face="Arial, Helvetica, sans-serif">the
        number of Series L Preferred Shares specified in such Bid if the Winning
        Bid Rate determined on such Auction Date is less than the specified rate;
        or</font></div></td>
  </tr>
  <tr>
    <td width="12%">&nbsp;</td>
    <td width="12%">&nbsp;</td>
    <td width="10%">&nbsp;</td>
    <td width="66%">&nbsp;</td>
  </tr>
  <tr>
    <td width="12%">&nbsp;</td>
    <td width="12%">&nbsp;</td>
    <td width="10%" valign="top"><div align="left"><font size="2" face="Arial, Helvetica, sans-serif">(B)</font></div></td>
    <td width="66%"><div align="justify"><font size="2" face="Arial, Helvetica, sans-serif">the
        specified number of Series L Preferred Shares or a lesser number to be
        determined as set forth in paragraph (iv) of section 3.7.5.5(a) if the
        Winning Bid Rate determined on such Auction Date is equal to the specified
        rate; or</font> <font size="2" face="Arial, Helvetica, sans-serif"> </font></div></td>
  </tr>
  <tr>
    <td width="12%">&nbsp;</td>
    <td width="12%">&nbsp;</td>
    <td width="10%">&nbsp;</td>
    <td width="66%">&nbsp;</td>
  </tr>
  <tr>
    <td width="12%">&nbsp;</td>
    <td width="12%">&nbsp;</td>
    <td width="10%" valign="top"><div align="left"><font size="2" face="Arial, Helvetica, sans-serif">(C)</font></div></td>
    <td width="66%"><div align="justify"><font size="2" face="Arial, Helvetica, sans-serif">the
        number of Series L Preferred Shares specified in such Bid if the specified
        rate is higher than the maximum Rate and Sufficient Clearing Bids do exist;
        or</font> <font size="2" face="Arial, Helvetica, sans-serif"> </font></div></td>
  </tr>
  <tr>
    <td width="12%">&nbsp;</td>
    <td width="12%">&nbsp;</td>
    <td width="10%">&nbsp;</td>
    <td width="66%">&nbsp;</td>
  </tr>
  <tr>
    <td width="12%">&nbsp;</td>
    <td width="12%">&nbsp;</td>
    <td width="10%" valign="top"><font size="2" face="Arial, Helvetica, sans-serif">(D)</font></td>
    <td width="66%"><div align="justify"><font size="2" face="Arial, Helvetica, sans-serif">a
        lesser number of Series L Preferred Shares to be determined as set forth
        in paragraph (iii) of section 3.7.5.5(b) if the specified rate is higher
        than the</font></div></td>
  </tr>
</table>
<P ALIGN="justify">&nbsp;</P>
<div align="justify">
  <hr>
  <p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;24&#150;</font></p>
  <p>&nbsp;</p>
  <table width="99%" border="0">
    <tr>
      <td width="12%">&nbsp;</td>
      <td width="12%">&nbsp;</td>
      <td width="10%">&nbsp;</td>
      <td width="66%"><font size="2" face="Arial, Helvetica, sans-serif">Maximum
        Rate and Sufficient Clearing Bids do not exist.</font> </td>
    </tr>
    <tr>
      <td>&nbsp;</td>
      <td>&nbsp;</td>
      <td valign="top">&nbsp;</td>
      <td>&nbsp;</td>
    </tr>
    <tr>
      <td>&nbsp;</td>
      <td><font size="2" face="Arial, Helvetica, sans-serif">(ii)</font></td>
      <td colspan="2" valign="top"><font size="2" face="Arial, Helvetica, sans-serif">A
        Sell Order by an Existing Holder shall constitute an irrevocable offer
        to sell:</font></td>
    </tr>
    <tr>
      <td>&nbsp;</td>
      <td>&nbsp;</td>
      <td valign="top">&nbsp;</td>
      <td>&nbsp;</td>
    </tr>
    <tr>
      <td width="12%">&nbsp;</td>
      <td width="12%">&nbsp;</td>
      <td width="10%" valign="top"><div align="left"><font size="2" face="Arial, Helvetica, sans-serif">(A)</font></div></td>
      <td width="66%"><div align="justify"><font size="2" face="Arial, Helvetica, sans-serif">the
          number of Series L Preferred Shares specified in such Sell Order; or
          </font></div></td>
    </tr>
    <tr>
      <td width="12%">&nbsp;</td>
      <td width="12%">&nbsp;</td>
      <td width="10%">&nbsp;</td>
      <td width="66%">&nbsp;</td>
    </tr>
    <tr>
      <td width="12%">&nbsp;</td>
      <td width="12%">&nbsp;</td>
      <td width="10%" valign="top"><div align="left"><font size="2" face="Arial, Helvetica, sans-serif">(B)</font></div></td>
      <td width="66%"><div align="justify"><font size="2" face="Arial, Helvetica, sans-serif">a
          lesser number of Series L Preferred Shares to be determined as set forth
          in paragraph (iii) of section 3.7.5.5(b) if Sufficient Clearing Bids
          do not exist. </font></div></td>
    </tr>
    <tr>
      <td width="12%">&nbsp;</td>
      <td width="12%">&nbsp;</td>
      <td width="10%">&nbsp;</td>
      <td width="66%">&nbsp;</td>
    </tr>
    <tr>
      <td>&nbsp;</td>
      <td valign="top"> <div align="justify"><font size="2" face="Arial, Helvetica, sans-serif">(iii)
          </font></div></td>
      <td colspan="2" valign="top"><font size="2" face="Arial, Helvetica, sans-serif">A
        Bid by a Potential Holder shall constitute an irrevocable offer to purchase:</font></td>
    </tr>
    <tr>
      <td>&nbsp;</td>
      <td>&nbsp;</td>
      <td valign="top">&nbsp;</td>
      <td>&nbsp;</td>
    </tr>
    <tr>
      <td width="12%">&nbsp;</td>
      <td width="12%">&nbsp;</td>
      <td width="10%" valign="top"><div align="left"><font size="2" face="Arial, Helvetica, sans-serif">(A)</font></div></td>
      <td width="66%"><div align="justify"><font size="2" face="Arial, Helvetica, sans-serif">the
          number of Series L Preferred Shares specified in such Bid if the Winning
          Bid Rate determined on the applicable Auction Date is higher than the
          specified rate; or </font></div></td>
    </tr>
    <tr>
      <td width="12%">&nbsp;</td>
      <td width="12%">&nbsp;</td>
      <td width="10%">&nbsp;</td>
      <td width="66%">&nbsp;</td>
    </tr>
    <tr>
      <td width="12%">&nbsp;</td>
      <td width="12%">&nbsp;</td>
      <td width="10%" valign="top"><font size="2" face="Arial, Helvetica, sans-serif">(B)</font></td>
      <td width="66%"><div align="justify"><font size="2" face="Arial, Helvetica, sans-serif">the
          specified number or a lesser number of Series L Preferred Shares to
          be determined as set forth in paragraph (v) of section 3.7.5.5(a) if
          the Winning Bid Rate determined on such Auction Date is equal to the
          specified rate; or</font> </div></td>
    </tr>
    <tr>
      <td>&nbsp;</td>
      <td>&nbsp;</td>
      <td valign="top">&nbsp;</td>
      <td>&nbsp;</td>
    </tr>
    <tr>
      <td>&nbsp;</td>
      <td>&nbsp;</td>
      <td valign="top"><font size="2" face="Arial, Helvetica, sans-serif">(C)</font></td>
      <td><div align="justify"><font size="2" face="Arial, Helvetica, sans-serif">the
          specified number of Series L Preferred Shares if the specified rate
          is equal to or lower than the Maximum Rate and Sufficient Clearing Bids
          do not exist.</font> </div></td>
    </tr>
  </table>
  <p><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.7.5.3 </I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Submission
    of Orders by Dealers to the Auction Manager</I></B></FONT></p>
</div>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(a) &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Each
  Dealer shall submit to the Auction Manager in writing in accordance with its
  Dealer Agreement prior to the Submission Deadline on each Auction Date all Orders
  obtained by such Dealer and specifying with respect to each Order:</FONT> </P>
<table width="99%" border="0">
  <tr>
    <td width="12%" valign="top">&nbsp;</td>
    <td width="12%" valign="top"><font size="2" face="Arial, Helvetica, sans-serif">(i)</font></td>
    <td colspan="2"> <div align="justify"> <font size="2" face="Arial, Helvetica, sans-serif">
        the name of the Bidder placing such Order; </font></div></td>
  </tr>
  <tr>
    <td width="12%">&nbsp;</td>
    <td width="12%">&nbsp;</td>
    <td width="10%">&nbsp;</td>
    <td width="66%">&nbsp;</td>
  </tr>
  <tr>
    <td>&nbsp;</td>
    <td><font size="2" face="Arial, Helvetica, sans-serif">(ii)</font></td>
    <td colspan="2" valign="top"><font size="2" face="Arial, Helvetica, sans-serif">the
      aggregate number of Series L Preferred Shares that are the subject of the
      Order;</font> </td>
  </tr>
  <tr>
    <td>&nbsp;</td>
    <td>&nbsp;</td>
    <td valign="top">&nbsp;</td>
    <td>&nbsp;</td>
  </tr>
  <tr>
    <td>&nbsp;</td>
    <td valign="top"><font size="2" face="Arial, Helvetica, sans-serif">(iii)</font></td>
    <td colspan="2" valign="top"><font size="2" face="Arial, Helvetica, sans-serif">to
      the extent that the Bidder is an Existing Holder, the number of Series L
      Preferred Shares, if any, subject to any:</font> </td>
  </tr>
  <tr>
    <td>&nbsp;</td>
    <td>&nbsp;</td>
    <td valign="top">&nbsp;</td>
    <td>&nbsp;</td>
  </tr>
  <tr>
    <td width="12%">&nbsp;</td>
    <td width="12%">&nbsp;</td>
    <td width="10%" valign="top"><div align="left"><font size="2" face="Arial, Helvetica, sans-serif">(A)</font></div></td>
    <td width="66%"><div align="justify"><font size="2" face="Arial, Helvetica, sans-serif">Hold
        Order placed by such Existing Holder;</font></div></td>
  </tr>
  <tr>
    <td width="12%">&nbsp;</td>
    <td width="12%">&nbsp;</td>
    <td width="10%">&nbsp;</td>
    <td width="66%">&nbsp;</td>
  </tr>
  <tr>
    <td width="12%">&nbsp;</td>
    <td width="12%">&nbsp;</td>
    <td width="10%" valign="top"><div align="left"><font size="2" face="Arial, Helvetica, sans-serif">(B)</font></div></td>
    <td width="66%"><div align="justify"><font size="2" face="Arial, Helvetica, sans-serif">Bid
        placed by such Existing Holder and the rate specified in such bid; and/or
        </font></div></td>
  </tr>
  <tr>
    <td width="12%">&nbsp;</td>
    <td width="12%">&nbsp;</td>
    <td width="10%">&nbsp;</td>
    <td width="66%">&nbsp;</td>
  </tr>
  <tr>
    <td width="12%">&nbsp;</td>
    <td width="12%">&nbsp;</td>
    <td width="10%" valign="top"><div align="left"><font size="2" face="Arial, Helvetica, sans-serif">(C)</font></div></td>
    <td width="66%"><font size="2" face="Arial, Helvetica, sans-serif">Sell Order
      placed by such Existing Holder; and</font></td>
  </tr>
  <tr>
    <td width="12%">&nbsp;</td>
    <td width="12%">&nbsp;</td>
    <td width="10%">&nbsp;</td>
    <td width="66%">&nbsp;</td>
  </tr>
  <tr>
    <td width="12%">&nbsp;</td>
    <td width="12%" valign="top"><font size="2" face="Arial, Helvetica, sans-serif">(iv)</font></td>
    <td colspan="2" valign="top"> <div align="justify"><font size="2" face="Arial, Helvetica, sans-serif">to
        the extent that the Bidder is a Potential Holder, the dividend rate per
        annum specified in the Bid of such Potential Holder.</font> </div></td>
  </tr>
</table>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  If any rate specified in any Bid contains more than three figures to the right
  of the decimal point, the Auction Manager shall round such rate up to the next
  highest one-thousandth of one percent (0.001%).</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  If for any reason an Order or Orders covering in the aggregate all the Series
  L Preferred Shares held by any Existing Holder are not submitted to the Auction
  Manager prior to the Submission Deadline, the Auction Manager shall deem a Hold
  Order to have been submitted on behalf of such Existing Holder covering the
  number of Series L Preferred Shares held by such Existing Holder and not subject
  to Orders submitted to the Auction Manager.</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  If one or more Orders covering in the aggregate more than the number of Series
  L Preferred Shares held by any Existing Holder are submitted to the Auction
  Manager, such Orders shall be considered valid </FONT></P>
<P ALIGN="justify">&nbsp;</P>
<hr>
<p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;25&#150;</font></p>
<p>&nbsp;</p>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">as follows
  and in the following order of priority:</FONT></P>
<table width="99%" border="0">
  <tr>
    <td width="12%" valign="top">&nbsp;</td>
    <td width="12%" valign="top"><font size="2" face="Arial, Helvetica, sans-serif">(i)</font></td>
    <td colspan="2"> <div align="justify"> <font size="2" face="Arial, Helvetica, sans-serif">all
        Hold Orders shall be considered valid, but only up to and including, in
        the aggregate, the number of Series L Preferred Shares held by such Existing
        Holder, and, solely for purposes of allocating compensation among the
        Dealers submitting Hold Orders, if the number of Series L Preferred Shares
        subject to such Hold Orders exceeds the number of Series L Preferred Shares
        held by such Existing Holder, the number of Series L Preferred Shares
        subject to each such Hold Order shall be reduced pro rata to cover the
        number of Series L Preferred Shares held by such Existing Holder;</font>
        <font size="2" face="Arial, Helvetica, sans-serif"> </font></div></td>
  </tr>
  <tr>
    <td width="12%">&nbsp;</td>
    <td width="12%">&nbsp;</td>
    <td width="10%">&nbsp;</td>
    <td width="66%">&nbsp;</td>
  </tr>
  <tr>
    <td width="12%">&nbsp;</td>
    <td width="12%">&nbsp;</td>
    <td width="10%" valign="top"><div align="left"><font size="2" face="Arial, Helvetica, sans-serif">(A)</font></div></td>
    <td width="66%"><div align="justify"><font size="2" face="Arial, Helvetica, sans-serif">Any
        Bid shall be considered valid up to and including the excess of the number
        of Series L Preferred Shares held by such Existing Holder over the number
        of Series L Preferred Shares subject to any Hold Order referred to in
        paragraph (i) of this section 3.7.5.3(d);</font></div></td>
  </tr>
  <tr>
    <td width="12%">&nbsp;</td>
    <td width="12%">&nbsp;</td>
    <td width="10%">&nbsp;</td>
    <td width="66%">&nbsp;</td>
  </tr>
  <tr>
    <td width="12%">&nbsp;</td>
    <td width="12%">&nbsp;</td>
    <td width="10%" valign="top"><div align="left"><font size="2" face="Arial, Helvetica, sans-serif">(B)</font></div></td>
    <td width="66%"><div align="justify"><font size="2" face="Arial, Helvetica, sans-serif">Subject
        to subparagraph (ii)(A) of this section 3.7.5.3(d), if more than one Bid
        with the same rate is submitted on behalf of such Existing Holder and
        the number of Series L Preferred Shares subject to such Bids is greater
        than such excess, such Bids shall be considered valid up to the amount
        of such excess, and, solely for purposes of allocating compensation among
        the Dealers submitting Bids with the same rate, the number of Series L
        Preferred Shares subject to each Bid with the same rate shall be reduced
        pro rata to cover the number of Series L Preferred Shares equal to such
        excess;</font> <font size="2" face="Arial, Helvetica, sans-serif"> </font></div></td>
  </tr>
  <tr>
    <td width="12%">&nbsp;</td>
    <td width="12%">&nbsp;</td>
    <td width="10%">&nbsp;</td>
    <td width="66%">&nbsp;</td>
  </tr>
  <tr>
    <td width="12%">&nbsp;</td>
    <td width="12%">&nbsp;</td>
    <td width="10%" valign="top"><div align="left"><font size="2" face="Arial, Helvetica, sans-serif">(C)</font></div></td>
    <td width="66%"><div align="justify"><font size="2" face="Arial, Helvetica, sans-serif">Subject
        to subparagraph (ii)(A) of this section 3.7.5.3(d), if more than one Bid
        with different rates is submitted on behalf of such Existing Holder, such
        Bids shall be considered valid in the ascending order of their respective
        rates up to the amount of such excess; and</font> </div></td>
  </tr>
  <tr>
    <td>&nbsp;</td>
    <td>&nbsp;</td>
    <td>&nbsp;</td>
    <td>&nbsp;</td>
  </tr>
  <tr>
    <td>&nbsp;</td>
    <td>&nbsp;</td>
    <td><font size="2" face="Arial, Helvetica, sans-serif">(D)</font></td>
    <td><div align="justify"><font size="2" face="Arial, Helvetica, sans-serif">In
        any such event, the number, if any, of such Series L Preferred Shares
        subject to Bids not valid under this paragraph (ii) shall be treated as
        the subject of a Bid by a Potential Holder; and</font> </div></td>
  </tr>
  <tr>
    <td width="12%">&nbsp;</td>
    <td width="12%">&nbsp;</td>
    <td width="10%">&nbsp;</td>
    <td width="66%">&nbsp;</td>
  </tr>
  <tr>
    <td width="12%">&nbsp;</td>
    <td width="12%" valign="top"><font size="2" face="Arial, Helvetica, sans-serif">(iii)
      </font></td>
    <td colspan="2" valign="top"> <div align="justify"><font size="2" face="Arial, Helvetica, sans-serif">all
        Sell Orders shall be considered valid but only up to and including in
        the aggregate the excess of the number of Series L Preferred Shares held
        by such Existing Holder over the sum of the Series L Preferred Shares
        subject to Hold Orders referred to in paragraph (i) of this section 3.7.5.3(d)
        and valid Bids by Existing Holders referred to in paragraph (ii) of this
        section 3.7.5.3(d).</font> </div></td>
  </tr>
</table>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  If more than one Bid is submitted on behalf of any Potential Holder, each Bid
  submitted shall be a separate Bid with the rate therein specified.</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.7.5.4
  </I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Determination of Sufficient Clearing
  Bids, Winning Bid Rate and Current Dividend Rate</I></B></FONT></P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(a) &nbsp;&nbsp;&nbsp;&nbsp;On
  the Submission Deadline on each Auction Date, the Auction Manager shall assemble
  all Orders submitted or deemed submitted to it by the Dealers (each such Order
  as submitted or deemed submitted by a Dealer being individually a &#147;Submitted
  Hold Order&#148;, a &#147;Submitted Bid&#148; or a &#147;Submitted Sell Order&#148;,
  as the case may be, or a &#147;Submitted Order&#148; and, collectively, &#147;Submitted
  Hold Orders&#148;, &#147;Submitted Bids&#148; or &#147;Submitted Sell Orders&#148;,
  as the case may be, or Submitted Orders&#148;) and shall determine:</FONT></P>
<table width="99%" border="0">
  <tr>
    <td width="12%" valign="top">&nbsp;</td>
    <td width="12%" valign="top"><font size="2" face="Arial, Helvetica, sans-serif">(i)</font></td>
    <td colspan="2"> <div align="justify"> <font size="2" face="Arial, Helvetica, sans-serif">the
        excess of (a) the total number of Series L Preferred Shares issued and
        outstanding over (b) the number of Series L Preferred Shares that are
        the subject of Submitted Hold Orders (such excess being the &#147;Available
        Shares&#148;); </font></div></td>
  </tr>
  <tr>
    <td>&nbsp;</td>
    <td>&nbsp;</td>
    <td width="10%">&nbsp;</td>
    <td width="66%">&nbsp;</td>
  </tr>
  <tr>
    <td>&nbsp;</td>
    <td><font size="2" face="Arial, Helvetica, sans-serif">(ii)</font></td>
    <td colspan="2"><font size="2" face="Arial, Helvetica, sans-serif">from the
      Submitted Orders, whether:</font> </td>
  </tr>
  <tr>
    <td>&nbsp;</td>
    <td>&nbsp;</td>
    <td colspan="2">&nbsp;</td>
  </tr>
  <tr>
    <td>&nbsp;</td>
    <td>&nbsp;</td>
    <td><font size="2" face="Arial, Helvetica, sans-serif">(A)</font></td>
    <td><font size="2" face="Arial, Helvetica, sans-serif">the number of Series
      L Preferred Shares that are the subject of Submitted</font></td>
  </tr>
</table>
<P ALIGN="justify">&nbsp;</P>
<hr>
<p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;26&#150;</font></p>
<p>&nbsp;</p>
<table width="99%" border="0">
  <tr>
    <td width="12%" valign="top">&nbsp;</td>
    <td width="12%" valign="top">&nbsp;</td>
    <td width="76%"> <div align="justify"> <font size="2" face="Arial, Helvetica, sans-serif">Bids
        by Potential Holders specifying one or more rates equal to or lower than
        the Maximum Rate; </font></div></td>
  </tr>
</table>
<table width="99%" border="0">
  <tr>
    <td>&nbsp;</td>
    <td colspan="4">&nbsp;</td>
  </tr>
  <tr>
    <td width="12%">&nbsp;</td>
    <td colspan="4"><font size="2" face="Arial, Helvetica, sans-serif">exceeds
      or is equal to the sum of:</font></td>
  </tr>
  <tr>
    <td width="12%">&nbsp;</td>
    <td width="12%">&nbsp;</td>
    <td width="10%" valign="top">&nbsp;</td>
    <td colspan="2">&nbsp;</td>
  </tr>
  <tr>
    <td width="12%">&nbsp;</td>
    <td width="12%">&nbsp;</td>
    <td width="10%" valign="top"><font size="2" face="Arial, Helvetica, sans-serif">(B)</font></td>
    <td width="9%" valign="top"><font size="2" face="Arial, Helvetica, sans-serif">(I)</font></td>
    <td width="57%"><div align="justify"><font size="2" face="Arial, Helvetica, sans-serif">the
        number of Series L Preferred Shares that are the subject of Submitted
        Bids by Existing Holders specifying one or more rates higher than the
        Maximum Rate; and</font> </div></td>
  </tr>
  <tr>
    <td width="12%">&nbsp;</td>
    <td width="12%">&nbsp;</td>
    <td width="10%" valign="top"><div align="left"></div></td>
    <td colspan="2"><div align="justify"><font size="2" face="Arial, Helvetica, sans-serif">
        </font></div></td>
  </tr>
  <tr>
    <td width="12%">&nbsp;</td>
    <td width="12%">&nbsp;</td>
    <td width="10%">&nbsp;</td>
    <td valign="top"><font size="2" face="Arial, Helvetica, sans-serif">(II)</font></td>
    <td><p align="justify"><font size="2" face="Arial, Helvetica, sans-serif">the
        number of Series L Preferred Shares that are the subject of Submitted
        Sell Orders; </font> </p></td>
  </tr>
</table>
<div align="justify">
  <table width="99%" border="0">
    <tr>
      <td>&nbsp;</td>
      <td colspan="4" valign="top">&nbsp;</td>
    </tr>
    <tr>
      <td>&nbsp;</td>
      <td colspan="4" valign="top"><div align="justify"><font size="2" face="Arial, Helvetica, sans-serif">and
          if such excess or equality exists (other than because all of the Series
          L Preferred Shares are the subject of Submitted Hold Orders), then such
          Submitted Bids in subparagraph (A) hereof shall be &#147;Sufficient
          Clearing Bids&#148;; and</font> </div></td>
    </tr>
    <tr>
      <td>&nbsp;</td>
      <td valign="top">&nbsp;</td>
      <td colspan="3" valign="top">&nbsp;</td>
    </tr>
    <tr>
      <td width="12%">&nbsp;</td>
      <td width="12%" valign="top"><font size="2" face="Arial, Helvetica, sans-serif">(iii)</font></td>
      <td colspan="3" valign="top"><div align="justify"><font size="2" face="Arial, Helvetica, sans-serif">if
          Sufficient Clearing Bids exist, the lowest rate specified in the Submitted
          Bids which if the Auction Manager accepted:</font> </div></td>
    </tr>
    <tr>
      <td>&nbsp;</td>
      <td>&nbsp;</td>
      <td valign="top">&nbsp;</td>
      <td valign="top">&nbsp;</td>
      <td>&nbsp;</td>
    </tr>
    <tr>
      <td width="12%">&nbsp;</td>
      <td width="12%">&nbsp;</td>
      <td width="10%" valign="top"><font size="2" face="Arial, Helvetica, sans-serif">(A)</font></td>
      <td width="9%" valign="top"><font size="2" face="Arial, Helvetica, sans-serif">(I)</font></td>
      <td width="57%"><div align="justify"><font size="2" face="Arial, Helvetica, sans-serif">each
          Submitted Bid from Existing Holders specifying that lowest rate, and</font></div></td>
    </tr>
    <tr>
      <td width="12%">&nbsp;</td>
      <td width="12%">&nbsp;</td>
      <td width="10%" valign="top"><div align="left"></div></td>
      <td colspan="2"><div align="justify"><font size="2" face="Arial, Helvetica, sans-serif">
          </font></div></td>
    </tr>
    <tr>
      <td width="12%">&nbsp;</td>
      <td width="12%">&nbsp;</td>
      <td width="10%">&nbsp;</td>
      <td valign="top"><font size="2" face="Arial, Helvetica, sans-serif">(II)</font></td>
      <td><p align="justify"><font size="2" face="Arial, Helvetica, sans-serif">all
          other Submitted Bids from Existing Holders specifying lower rates, thus
          entitling those Existing Holders to continue to hold the Series L Preferred
          Shares that are the subject of those Submitted Bids; and</font> </p></td>
    </tr>
    <tr>
      <td>&nbsp;</td>
      <td>&nbsp;</td>
      <td>&nbsp;</td>
      <td valign="top">&nbsp;</td>
      <td>&nbsp;</td>
    </tr>
    <tr>
      <td>&nbsp;</td>
      <td>&nbsp;</td>
      <td valign="top"><font size="2" face="Arial, Helvetica, sans-serif">(B)</font></td>
      <td valign="top"><font size="2" face="Arial, Helvetica, sans-serif">(I)</font></td>
      <td><font size="2" face="Arial, Helvetica, sans-serif">each Submitted Bid
        from Potential Holders specifying such rate, and</font> </td>
    </tr>
    <tr>
      <td>&nbsp;</td>
      <td>&nbsp;</td>
      <td>&nbsp;</td>
      <td valign="top">&nbsp;</td>
      <td>&nbsp;</td>
    </tr>
    <tr>
      <td>&nbsp;</td>
      <td>&nbsp;</td>
      <td>&nbsp;</td>
      <td valign="top"><font size="2" face="Arial, Helvetica, sans-serif">(II)</font></td>
      <td><div align="justify"><font size="2" face="Arial, Helvetica, sans-serif">all
          other Submitted Bids from Potential Holders specifying lower rates,
          thus entitling those Potential Holders to purchase the Series L Preferred
          Shares that are the subject of those Submitted Bids,</font> </div></td>
    </tr>
    <tr>
      <td>&nbsp;</td>
      <td>&nbsp;</td>
      <td>&nbsp;</td>
      <td valign="top">&nbsp;</td>
      <td>&nbsp;</td>
    </tr>
    <tr>
      <td>&nbsp;</td>
      <td colspan="4"><div align="justify"><font size="2" face="Arial, Helvetica, sans-serif">would
          result in such Existing Holders described in subparagraph (A) hereof
          continuing to hold an aggregate number of Series L Preferred Shares
          which, when added to the aggregate number of Series L Preferred Shares
          to be purchased by such Potential Holders described in subparagraph
          (B) hereof, would equal not less than the number of Available Shares.
          This lowest rate is the &#147;Winning Bid Rate&#148;.</font> </div></td>
    </tr>
  </table>
</div>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(b) &nbsp;&nbsp;&nbsp;&nbsp;Promptly
  after the Auction Manager has made the determinations pursuant to section 3.7.5.4(a)
  of this Part, the Auction Manager shall advise the Corporation of the Bankers&#146;
  Acceptance Rate and, based on such determinations, of the dividend rate applicable
  to the Series L Preferred Shares for the next succeeding Auction Dividend Period
  (the &#147;Current Dividend Rate&#148;) as follows:</FONT> </P>
<table width="99%" border="0">
  <tr>
    <td width="12%" valign="top">&nbsp;</td>
    <td width="12%" valign="top"><font size="2" face="Arial, Helvetica, sans-serif">(i)</font></td>
    <td width="76%"> <div align="justify"><font size="2" face="Arial, Helvetica, sans-serif">if
        Sufficient Clearing Bids exist, the Current Dividend Rate for the next
        succeeding Auction Dividend Period shall be equal to the Winning Bid Rate
        so determined;</font> </div></td>
  </tr>
  <tr>
    <td valign="top">&nbsp;</td>
    <td valign="top">&nbsp;</td>
    <td>&nbsp;</td>
  </tr>
  <tr>
    <td valign="top">&nbsp;</td>
    <td valign="top"><font size="2" face="Arial, Helvetica, sans-serif">(ii)</font></td>
    <td><div align="justify"><font size="2" face="Arial, Helvetica, sans-serif">if
        Sufficient Clearing Bids do not exist (other than because all of the Series
        L Preferred Shares are the subject of Submitted Hold Orders), that the
        Current Dividend Rate for the next succeeding Auction Dividend Period
        shall be equal to the Maximum Rate; or</font> </div></td>
  </tr>
  <tr>
    <td valign="top">&nbsp;</td>
    <td valign="top">&nbsp;</td>
    <td>&nbsp;</td>
  </tr>
  <tr>
    <td valign="top">&nbsp;</td>
    <td valign="top"><font size="2" face="Arial, Helvetica, sans-serif">(iii)</font></td>
    <td><div align="justify"><font size="2" face="Arial, Helvetica, sans-serif">if
        all of the Series L Preferred Shares are the subject of Submitted Hold
        Orders, that the Current Dividend Rate for the next succeeding Auction
        Dividend Period shall be equal to 50% of the Bankers&#146; Acceptance
        Rate determined at 10:00 a.m. Montr&eacute;al time on the Auction Date.</font>
      </div></td>
  </tr>
</table>
<P ALIGN="justify">&nbsp;</P>
<hr>
<p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;27&#150;</font></p>
<p>&nbsp;</p>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.7.5.5
  </I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Acceptance and Rejection of Submitted
  Bids and Submitted Sell Orders and Allocation of Shares</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;Based on the determinations made pursuant to section 3.7.5.4(a) of this
  Part, the Submitted Bids and Submitted Sell Orders shall be accepted or rejected
  and the Auction Manager shall take such other action as set forth below:</font>
</P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  If Sufficient Clearing Bids have been made, subject to the provisions of sections
  3.7.5.5(c) and 3.7.5.5(d) of this Part, Submitted Bids and Submitted Sell Orders
  shall be accepted and rejected in the following order of priority and all other
  Submitted Bids shall be rejected:</font> </P>
<table width="99%" border="0">
  <tr>
    <td width="12%" valign="top">&nbsp;</td>
    <td width="12%" valign="top"><font size="2" face="Arial, Helvetica, sans-serif">(i)</font></td>
    <td width="76%"> <div align="justify"><font size="2" face="Arial, Helvetica, sans-serif">(A)
        the Submitted Sell Order of each Existing Holder shall be accepted, and
        (B) the Submitted Bid of each Existing Holder specifying any rate that
        is higher than the Winning Bid Rate shall be rejected, thus requiring
        each such Existing Holder to sell the Series L Preferred Shares that are
        the subject of such Submitted Sell Order and such Submitted Bid;</font>
      </div></td>
  </tr>
  <tr>
    <td valign="top">&nbsp;</td>
    <td valign="top">&nbsp;</td>
    <td>&nbsp;</td>
  </tr>
  <tr>
    <td valign="top">&nbsp;</td>
    <td valign="top"><font size="2" face="Arial, Helvetica, sans-serif">(ii)</font></td>
    <td><div align="justify"><font size="2" face="Arial, Helvetica, sans-serif">the
        Submitted Bid of each Existing Holder specifying any rate that is lower
        than the Winning Bid Rate shall be accepted, thus entitling each such
        Existing Holder to continue to hold the Series L Preferred Shares that
        are the subject of such Submitted Bid;</font> </div></td>
  </tr>
  <tr>
    <td valign="top">&nbsp;</td>
    <td valign="top">&nbsp;</td>
    <td>&nbsp;</td>
  </tr>
  <tr>
    <td valign="top">&nbsp;</td>
    <td valign="top"><font size="2" face="Arial, Helvetica, sans-serif">(iii)</font></td>
    <td><div align="justify"><font size="2" face="Arial, Helvetica, sans-serif">the
        Submitted Bid of each Potential Holder specifying any rate that is lower
        than the Winning Bid Rate shall be accepted, thus requiring each such
        Potential Holder to purchase the Series L Preferred Shares that are the
        subject of such Submitted Bid;</font> </div></td>
  </tr>
  <tr>
    <td valign="top">&nbsp;</td>
    <td valign="top">&nbsp;</td>
    <td>&nbsp;</td>
  </tr>
  <tr>
    <td valign="top">&nbsp;</td>
    <td valign="top"><font size="2" face="Arial, Helvetica, sans-serif">(iv)</font></td>
    <td><div align="justify"><font size="2" face="Arial, Helvetica, sans-serif">
        the Submitted Bid for each Existing Holder specifying a rate that is equal
        to the Winning Bid Rate shall be accepted, thus entitling each such Existing
        Holder to continue to hold the Series L Preferred Shares that are the
        subject of such Submitted Bid, unless the number of Series L Preferred
        Shares subject to all such Submitted Bids is greater than the total number
        of Available Shares minus the number of Series L Preferred Shares subject
        to Submitted Bids described in paragraphs (ii) and (iii) of this section
        3.7.5.5(a) (the &#147;Remaining Shares&#148;). In this event, the Submitted
        Bids of each such Existing Holder described in this paragraph (iv) shall
        be rejected, and each such Existing Holder shall be required to sell Series
        L Preferred Shares, but only in an amount equal to the difference between
        (A) the number of Series L Preferred Shares then held by such Existing
        Holder subject to such Submitted Bid and (B) the number of Series L Preferred
        Shares obtained by multiplying (x) the number of Remaining Shares by (y)
        a fraction, the numerator of which shall be the number of Series L Preferred
        Shares held by such Existing Holder subject to such Submitted Bid, and
        the denominator of which shall be the sum of the number of Series L Preferred
        Shares subject to such Submitted Bids made by all such Existing Holders
        who specified a rate equal to the Winning Bid Rate; and</font> </div></td>
  </tr>
  <tr>
    <td valign="top">&nbsp;</td>
    <td valign="top">&nbsp;</td>
    <td>&nbsp;</td>
  </tr>
  <tr>
    <td valign="top">&nbsp;</td>
    <td valign="top"><font size="2" face="Arial, Helvetica, sans-serif">(v)</font></td>
    <td><div align="justify"><font size="2" face="Arial, Helvetica, sans-serif">
        the Submitted Bid of each Potential Holder specifying a rate that is equal
        to the Winning Bid Rate shall be accepted but only in an amount equal
        to the number of Series L Preferred Shares obtained by multiplying (A)
        the difference between the total number of Available Shares and the number
        of Series L Preferred Shares subject to Submitted Bids described in paragraphs
        (ii), (iii) and (iv) of this section 3.7.5.5(a) by (B) a fraction, the
        numerator of which shall be the number of Series L Preferred Shares subject
        to such Submitted Bid and the denominator of which shall be the sum of
        the number of Series L Preferred Shares subject to such Submitted Bids
        made by all Potential Holders who specified rates equal to the Winning
        Bid Rate;</font> </div></td>
  </tr>
</table>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(b)&nbsp;&nbsp;&nbsp;&nbsp;
  If Sufficient Clearing Bids have not been made (other than because all of the
  Series L Preferred Shares are subject to Submitted Hold Orders), subject to
  the provisions of sections 3.7.55 (c) and 3.7.5.5(d) of this Part, Submitted
  Bids and Submitted Sell Orders shall be accepted or rejected in the following
  </FONT></P>
<P ALIGN="justify">&nbsp;</P>
<hr>
<p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;28&#150;</font></p>
<p>&nbsp;</p>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">order of
  priority and all other Submitted Bids shall be rejected:</FONT></P>
<table width="99%" border="0">
  <tr>
    <td width="12%" valign="top">&nbsp;</td>
    <td width="12%" valign="top"><font size="2" face="Arial, Helvetica, sans-serif">(i)</font></td>
    <td width="76%"> <div align="justify"><font size="2" face="Arial, Helvetica, sans-serif">the
        Submitted Bid of each Existing Holder specifying any rate that is equal
        to or lower than the Maximum Rate shall be accepted, thus entitling that
        Existing Holder to continue to hold the Series L Preferred Shares that
        are the subject of such Submitted Bid;</font> </div></td>
  </tr>
  <tr>
    <td valign="top">&nbsp;</td>
    <td valign="top">&nbsp;</td>
    <td>&nbsp;</td>
  </tr>
  <tr>
    <td valign="top">&nbsp;</td>
    <td valign="top"><font size="2" face="Arial, Helvetica, sans-serif">(ii)</font></td>
    <td><div align="justify"><font size="2" face="Arial, Helvetica, sans-serif">the
        Submitted Bid of each Potential Holder specifying any rate that is equal
        to or lower than the Maximum Rate shall be accepted, thus requiring such
        Potential Holder to purchase the Series L Preferred Shares that are the
        subject of such Submitted Bid; and</font> </div></td>
  </tr>
  <tr>
    <td valign="top">&nbsp;</td>
    <td valign="top">&nbsp;</td>
    <td>&nbsp;</td>
  </tr>
  <tr>
    <td valign="top">&nbsp;</td>
    <td valign="top"><font size="2" face="Arial, Helvetica, sans-serif">(iii)</font></td>
    <td><div align="justify"><font size="2" face="Arial, Helvetica, sans-serif">the
        Submitted Bid of each Existing Holder specifying any rate that is higher
        than the Maximum Rate shall be rejected and the Submitted Sell Order of
        each Existing Holder shall be accepted, in both cases only in an amount
        equal to the difference between (A) the number of Series L Preferred Shares
        then held by such Existing Holder subject to such Submitted Bid or Submitted
        Sell Order and (B) the number of Series L Preferred Shares obtained by
        multiplying (x) the difference between the total number of Available Shares
        and the aggregate number of Series L Preferred Shares subject to Submitted
        Bids described in paragraphs (i) and (ii) of this section 3.7.5.5(b) by
        (y) a fraction, the numerator of which shall be the number of Series L
        Preferred Shares held by such Existing Holder subject to such Submitted
        Bid or Submitted Sell Order and the denominator of which shall be the
        number of Series L Preferred Shares subject to all such Submitted Bids
        and Submitted Sell Orders;</font> </div></td>
  </tr>
</table>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  If, as a result of the procedures described in sections 3.7.5.5(a) or 3.7.5.5(b)
  of this Part, any Existing Holder would be entitled or required to sell, or
  any Potential Holder would be entitled or required to purchase, a fraction of
  a Series L Preferred Share on any Auction Date, the Auction Manager shall, in
  such manner as it shall determine in its sole discretion, round up or down the
  number of Series L Preferred Shares to be purchased or sold by any Existing
  Holder or Potential Holder on such Auction Date so that the number of shares
  purchased or sold by each Existing Holder or Potential Holder shall be whole
  Series L Preferred Shares;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  If, as a result of the procedures described in section 3.7.5.5(a) of this Part,
  any Potential Holder would be entitled or required to purchase a fraction of
  a Series L Preferred Share on any Auction Date, the Auction Manager shall, in
  such manner as it shall determine in its sole discretion, allocate shares for
  purchase among Potential Holders so that only whole Series L Preferred Shares
  are purchased on such Auction Date by any Potential Holder, even if such allocation
  results in one or more of such Potential Holders not purchasing Series L Preferred
  Shares on such Auction Date; and</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Based
  on the result of each Auction, the Auction Manager shall determine to which
  Potential Holder or Potential Holders purchasing Series L Preferred Shares an
  Existing Holder or Existing Holders shall sell Series L Preferred Shares being
  sold by such Existing Holder or Existing Holders. Such purchases and sales of
  Series L Preferred Shares shall be completed on the Settlement Date by payment
  by each Potential Holder purchasing Series L Preferred Shares of the aggregate
  purchase price of the Series L Preferred Shares to be purchased equal to $500,000
  per Series L Preferred Share against delivery by each existing Holder selling
  Series L Preferred Shares of the number of Series L Preferred Shares being sold.</FONT>
</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.7.5.6</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>
  Miscellaneous</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;Notwithstanding the provisions of Part V hereof, the Auction Manager shall
  not follow the Auction Procedures herein on the Auction Date immediately preceding:
  (i) the Redemption Date in the event that written notice of redemption of all
  the outstanding Series L Preferred Shares has been given pursuant to the provisions
  of section 3.7.1.5 of Part I hereof or (ii) the first day of a Corporation Determined
  Term or Dealer Determined Term.</font> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;In the event that there is any inconsistency, ambiguity or uncertainty
  in the interpretation or application of the procedures set forth in this Part,
  the Directors of the Corporation (or any person or persons designated by the
  Directors) may, in such manner as they shall determine in their sole discretion,
  interpret such </font></P>
<P ALIGN="justify">&nbsp;</P>
<hr>
<p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;29&#150;</font></p>
<p>&nbsp;</p>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">procedures
  in order to deal with any such inconsistency, ambiguity or uncertainty and any
  such determination evidenced by a certificate of the Corporate Secretary of
  the Corporation (which shall be provided to holders of Series L Preferred Shares
  upon request) shall be conclusive.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B>3.8</B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>
  Series P Preferred Shares</B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The Series P Preferred Shares shall, in addition to the rights, privileges,
  restrictions and conditions attaching to the First Preferred Shares as a class,
  carry and be subject to the following rights, privileges, restrictions and conditions:</font>
</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.8.1
  </I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Dividend</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The holders of the Series P Preferred Shares shall be entitled to receive
  fixed cumulative, preferred cash dividends, as and when declared by the Board
  of Directors, out of moneys properly applicable to the payment of dividends,
  in the amount of $1.60 per share per annum and no more, payable quarterly in
  respect of each 12 month period on the 15th day of January, April, July and
  October by cheque at par in lawful money of Canada at any branch in Canada of
  the Corporation&#146;s bankers, except that the first quarterly payment to be
  made on any Series P Preferred Share shall be payable on October 15, 1995 and
  be in the amount of the aggregate of (i) $1.60 multiplied by a fraction of which
  the numerator is the number of days from and including the original date of
  issue of the Series P Preferred Shares to but excluding the first date on which
  dividends would otherwise have been payable, being July 15, 1995, and the denominator
  is 365 and (ii) the amount of the quarterly dividend of $0.40.</font> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;Dividends declared on the Series P Preferred Shares shall (except in case
  of redemption in which case payment of dividends shall be made on surrender
  of the certificate representing the Series P Preferred Shares to be redeemed)
  be paid by posting in a postage paid envelope addressed to each holder of the
  Series P Preferred Shares at the last address of such holder as it appears on
  the securities register of the Corporation or, in the event of the address of
  any holder not so appearing, then to the address of such holder last known to
  the Corporation, or, in the case of joint holders, to the address of that one
  whose name appears first in the securities register of the Corporation as one
  of such joint holders, a cheque for such dividends (less any tax required to
  be deducted) payable to the order of such holder or, in the case of joint holders,
  to the order of all such holders failing written instructions from them to the
  contrary. Notwithstanding the foregoing, any dividend cheque may be delivered
  by the Corporation to a holder of Series P Preferred Shares at his address as
  aforesaid. The posting or delivery of such cheque shall be deemed to be payment
  and shall satisfy and discharge all liabilities for the payment of such dividends
  to the extent of the sum represented thereby (plus the amount of any tax required
  to be deducted as aforesaid) unless such cheque is not paid on due presentation.</font>
</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.8.2
  </I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Rights on Liquidation</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;In the event of the liquidation, dissolution or winding up of the Corporation
  or any other distribution of assets of the Corporation for the purpose of winding
  up its affairs, the holders of the Series P Preferred Shares shall be entitled
  to receive $25.00 per share together with all dividends accrued and unpaid to
  but excluding the date of payment or distribution, before any amounts shall
  be paid or any assets of the Corporation distributed to the holders of any shares
  ranking junior to the Series P Preferred Shares. The holders of the Series P
  Preferred Shares shall not be entitled to share in any further distribution
  of the property or assets of the Corporation.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.8.3
  </I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Redemption at the Option of the
  Corporation</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The Corporation may not redeem any of the Series P Preferred Shares prior
  to July 15, 2002. Subject to applicable law and section 3.8.8 hereof, upon giving
  notice as hereinafter provided, the Corporation may, on or after July 15, 2002,
  redeem at any time all the outstanding Series P Preferred Shares, or from time
  to time any part thereof, on payment for each such share to be redeemed of $25.00
  together with accrued and unpaid dividends up to but excluding the date fixed
  for redemption, the whole constituting the redemption price. If less than all
  the outstanding Series P Preferred Shares are to be redeemed, the shares to
  be redeemed shall be selected by lot or shall be redeemed pro rata (disregarding
  fractions) as the Board of Directors in its sole discretion shall determine
  provided that registered holdings of 10 shares or less be redeemed in full.</font>
</P>
<P ALIGN="justify">&nbsp;</P>
<hr>
<p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;30&#150;</font></p>
<p>&nbsp;</p>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The Corporation shall give at least 30 days&#146; prior notice in writing
  to each person who at the date of giving such notice is the holder of Series
  P Preferred Shares to be redeemed of the intention of the Corporation to redeem
  such shares; such notice shall be given by posting the same in a postage paid
  envelope addressed to each holder of Series P Preferred Shares to be redeemed
  at the last address of such holder as it appears on the securities register
  of the Corporation or, in the event of the address of any holder not so appearing,
  then to the address of such holder last known to the Corporation, provided that
  the accidental failure or omission to give any such notices as aforesaid to
  one or more of such holders shall not affect the validity of the redemption
  as to the other holders of the Series P Preferred Shares to be redeemed. Such
  notice shall set out the number of such Series P Preferred Shares held by the
  person to whom it is addressed which are to be redeemed and the redemption price
  and shall also set out the date on which the redemption is to take place, and
  on and after the date so specified for redemption the Corporation shall pay
  or cause to be paid to the holders of such Series P Preferred Shares to be redeemed
  the redemption price on presentation and surrender at any place or places within
  Canada designated by such notice, of the certificate or certificates for such
  Series P Preferred Shares so called for redemption; such payment shall be made
  by cheque payable at par at any branch in Canada of the Corporation&#146;s bankers;
  if a part only of such Series P Preferred Shares represented by any certificate
  shall be redeemed, a new certificate for the balance shall be issued at the
  expense of the Corporation; from and after the date specified in any such notice,
  the Series P Preferred Shares called for redemption shall cease to be entitled
  to dividends and the holders thereof shall not be entitled to exercise any of
  the rights of shareholders in respect thereof unless payment of the redemption
  price shall not be duly made by the Corporation; at any time after notice of
  redemption is given as aforesaid, the Corporation shall have the right to deposit
  the redemption price of any or all Series P Preferred Shares called for redemption
  with any chartered bank or banks or with any trust company or trust companies
  in Canada named in the notice of redemption to the credit of a special account
  or accounts in trust for the respective holders of such shares, to be paid to
  them respectively upon surrender to such bank or banks or trust company or trust
  companies of the certificate or certificates representing the same, and upon
  such deposit or deposits being made, such shares shall be redeemed on the redemption
  date specified in the notice of redemption; after the Corporation has made a
  deposit as aforesaid with respect to any shares, the holders thereof shall not,
  from and after the redemption date, be entitled to exercise any of the rights
  of shareholders in respect thereof and the rights of the holders thereof shall
  be limited to receiving the proportion of the amounts so deposited applicable
  to such shares, without interest; any interest allowed on such deposit shall
  belong to the Corporation.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.8.4
  </I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Retraction at the Option of the
  Holder</I></B></FONT></P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.8.4.1</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>
  Retraction Privilege</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;On and after July 15, 2002, the holders of the Series P Preferred Shares
  shall have the right, at their option, subject to the terms and provisions hereof,
  to require the Corporation to redeem all or any Series P Preferred Shares registered
  in such holder&#146;s name on payment for each such share to be redeemed of
  $25.00 together with accrued and unpaid dividends up to but excluding the date
  fixed for redemption, the whole constituting the redemption price, on the 15<SUP>th</SUP>
  day of January, April, July or October in each year (a &#147;Retraction Date&#148;).</font>
</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.8.4.2</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>
  Manner of Exercise of Retraction Privilege</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The retraction privilege provided for in section 3.8.4.1 may be exercised
  by notice in writing in form satisfactory to the Corporation duly executed by
  the registered holder, or his attorney duly authorized in writing, given to
  the transfer agent for Series P Preferred Shares at least 30 days but not more
  than 60 days prior to the Retraction Date, accompanied by the certificate or
  certificates representing the Series P Preferred Shares in respect of which
  the holder thereof desires to exercise such retraction privilege; such notice
  sshall specify the number of Series P Preferred Shares which the holder elects
  to have redeemed.</font> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;Unless the Corporation gives notice to the holders of the Series P Preferred
  Shares pursuant to section 3.8.7.1 (a) hereof of the right to convert Series
  P Preferred Shares into a further series of First Preferred Shares, and unless
  otherwise permitted by the Corporation, the election of any holder to have redeemed
  all or any Series P Preferred Shares pursuant to this section 3.8.4, shall be
  irrevocable upon receipt by or on behalf of the Corporation of the certificates
  for the shares to be redeemed and the signification of the election of the holder
  thereof in accordance with the provisions of this section 3.8.4.2.</font> </P>
<P ALIGN="justify">&nbsp;</P>
<hr>
<p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;31&#150;</font></p>
<p>&nbsp;</p>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;As promptly as practicable after the Retraction Date of any Series P Preferred
  Shares surrendered for redemption, the Corporation shall pay or cause to be
  paid to the holder of such Series P Preferred Shares to be redeemed the redemption
  price; such payment shall be made by cheque payable at par at any branch in
  Canada of the Corporation&#146;s bankers. Such redemption shall be deemed to
  have been made at the close of business on the Retraction Date so that the rights
  of the holder of such Series P Preferred Shares as the holder thereof shall
  cease at such time.</FONT> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;If the holder of Series P Preferred Shares represented by any certificate
  or certificates surrendered as herein provided elects to have redeemed less
  than all such shares, the Corporation shall issue and deliver or cause to be
  delivered to such holder, at the expense of the Corporation, a new certificate
  representing the Series P Preferred Shares represented by the certificate or
  certificates surrendered as aforesaid which have not been redeemed; provided,
  however, that if the Series P Preferred Shares represented by any certificate
  or certificates surrendered as aforesaid include any shares theretofore called
  for redemption pursuant to section 3.8.3 hereof, then on the date fixed for
  the redemption of such Series P Preferred Shares the holders thereof shall be
  entitled to payment of the redemption price of such Series P Preferred Shares
  as well as a new certificate representing any Series P Preferred Shares represented
  by the certificate or certificates surrendered as aforesaid which have not been
  redeemed.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.8.5</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B><B><I>
  Intentionally Deleted</I></B></FONT></P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.8.6
  </I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B><B><I>Intentionally Deleted</I></B></FONT></P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.8.7
  </I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B><B><I>Conversion into Further
  Series of First Preferred Shares</I></B></FONT></P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.8.7.1
  </I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B><B><I>Conversion Privilege
  into Further Series of First Preferred Shares</I></B></FONT></P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The Corporation may, subject to applicable law, at its option, at any
  time create an additional series of First Preferred Shares (hereinafter referred
  to as &#147;Additional Shares&#148;) into which, upon and subject to the terms
  hereinafter set forth, the holders of Series P Preferred Shares shall have the
  right to convert Series P Preferred Shares into the Additional Shares on the
  basis of one Additional Share for each Series P Preferred Share. The Corporation
  shall give notice in writing of the creation of the Additional Shares and of
  the conversion right provided for herein to the then registered holders of the
  Series P Preferred Shares; such notice shall be given by posting the same in
  a postage paid envelope addressed to each holder of Series P Preferred Shares
  at the last address of such holder as it appears on the securities register
  of the Corporation or, in the event of the address of any holder not so appearing,
  then to the address of such holder last known to the Corporation. Such notice
  shall set out the date on which the conversion will take place (the &#147;Series
  P Preferred Share Conversion Date&#148;) and shall be given not less than 45
  days nor more than 60 days prior to the Series P Preferred Share Conversion
  Date.</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;If the Corporation has created and is entitled to issue the Additional
  Shares, a holder of Series P Preferred Shares may, at his option, convert Series
  P Preferred Shares held by him into Additional Shares on a share-for-share basis
  on the Series P Preferred Share Conversion Date.</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.8.7.2
  </I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B><B><I>Manner of Exercise
  of Conversion Privilege into Further Series of First Preferred Shares</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The conversion of Series P Preferred Shares may be effected by surrender
  of the certificate or certificates representing the same not earlier than 60
  days prior to the Series P Preferred Share Conversion Date but not later than
  the close of business on the 15th day preceding the Series P Preferred Share
  Conversion Date during usual business hours at any office of any transfer agent
  of the Corporation at which the Series P Preferred Shares are transferable accompanied
  by: (1) payment or evidence of payment of the tax (if any) payable as provided
  in this section 3.8.7.2; and (2) a written instrument of surrender in form satisfactory
  to the Corporation duly executed by the registered holder, or his attorney duly
  authorized in writing, in which instrument such holder may also elect to convert
  part only of:</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;the Series P Preferred Shares represented by such certificate or certificates
  not theretofore called for redemption in which event the Corporation shall issue
  and deliver or cause to be delivered to such holder, at the expense of the Corporation,
  a new certificate representing the Series P Preferred Shares represented by
  such certificate or certificates which have not been converted; or</FONT> </P>
<P ALIGN="justify">&nbsp;</P>
<hr>
<p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;32&#150;</font></p>
<p>&nbsp;</p>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;the Series P Preferred Shares represented by such certificate or certificates,
  theretofore called for redemption in part, in which event on the date specified
  for the redemption of such Series P Preferred Shares such holder shall be entitled
  to payment of the redemption price of the Series P Preferred Shares represented
  by such certificate or certificates which have been called for redemption and
  which have not been converted prior to the date of redemption as well as a certificate
  representing any Series P Preferred Shares represented by such certificate or
  certificates which have been neither converted nor redeemed.</FONT> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;As promptly as practicable after the Series P Preferred Share Conversion
  Date, the Corporation shall issue and deliver, or cause to be delivered to or
  upon the written order of the holder of the Series P Preferred Shares so surrendered,
  a certificate or certificates, issued in the name of, or in such name or names
  as may be directed by, such holder representing the number of fully-paid and
  non-assessable Additional Shares and the number of remaining Series P Preferred
  Shares, if any, to which such holder is entitled. Such conversion shall be deemed
  to have been made at the close of business on the Series P Preferred Share Conversion
  Date, so that the rights of the holder of such Series P Preferred Shares as
  the holder thereof shall cease at such time and the person or persons entitled
  to receive Additional Shares upon such conversion shall be treated for all purposes
  as having become the holder or holders of record of such Additional Shares at
  such time.</font> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The registered holder of any Series P Preferred Share on the record date
  for any dividend declared payable on such share shall be entitled to such dividend
  notwithstanding that such share is converted into Additional Shares after such
  record date and on or before the date of the payment of such dividend.</font>
</P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The issuance of certificates for the Additional Shares upon the conversion
  of Series P Preferred Shares shall be made without charge to the converting
  holders of Series P Preferred Shares for any fee or tax in respect of the issuance
  of such certificates or the Additional Shares represented thereby; provided,
  however, that the Corporation shall not be required to pay any tax which may
  be imposed upon the person or persons to whom such Additional Shares are issued
  in respect of the issuance of such Additional Shares or the certificate therefor
  or which may be payable in respect of any transfer involved in the issuance
  and delivery of any such certificate in a name or names other than that of the
  holder of the Series P Preferred Shares converted, and the Corporation shall
  not be required to issue or deliver such certificate unless the person or persons
  requesting the issuance thereof shall have paid to the Corporation the amount
  of such tax or shall have established to the satisfaction of the Corporation
  that such tax has been paid..</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.8.7.3
  </I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B><B><I>Conditions of Issue
  of Additional Shares</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The Corporation may issue the Additional Shares only if:</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;the Corporation creates the Additional Shares, fixing the number of shares
  thereof (which shall be at least equal to the number of Series P Preferred Shares
  outstanding at the close of business on the business day prior to the effective
  date of such designation), and setting forth the rights, privileges, restrictions
  and conditions attaching thereto as a series;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;all dividends then payable on the Series P Preferred Shares then outstanding
  and on all other shares of the Corporation ranking as to dividends prior to
  or on a parity with the Series P Preferred Shares accrued up to and including
  the dividends payable on the immediately preceding respective date or dates
  for the payment of dividends thereon have been declared and paid or moneys set
  aside for payment;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;the Corporation uses its best efforts to qualify, if necessary, the Additional
  Shares for distribution or distribution to the public, as the case may be, upon
  the conversion of Series P Preferred Shares into Additional Shares in all provinces
  of Canada in which there are then addresses of holders of Series P Preferred
  Shares appearing in the books of the Corporation or in which there is a stock
  exchange upon which the Series P Preferred Shares are then listed for trading;
  and</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;the Corporation ensures that the Additional Shares will not, if issued,
  be or be deemed to be term preferred shares within the meaning of the <I>Income
  Tax Act </I>(Canada) if such definition were read without reference to paragraph
  (f) of the definition of term preferred share set out in subsection 248(1) of
  the <I>Income Tax Act </I>(Canada) or any successor or replacement provision
  of similar effect.</FONT> </P>
<P ALIGN="justify">&nbsp;</P>
<hr>
<p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;33&#150;</font></p>
<p>&nbsp;</p>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.8.8
  </I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B><B><I>Restrictions on Dividends
  and Retirement of Shares</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;Without the approval of the holders of outstanding Series P Preferred
  Shares:</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;the Corporation shall not declare, pay or set apart for payment any dividends
  (other than stock dividends payable in shares of the Corporation ranking junior
  to the Series P Preferred Shares) on the Common Shares of the Corporation or
  any other shares of the Corporation ranking junior to the Series P Preferred
  Shares;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;the Corporation shall not redeem, purchase or otherwise retire or make
  any capital distribution on or in respect of the Common Shares of the Corporation
  or any other shares of the Corporation ranking junior to the Series P Preferred
  Shares (except out of the net cash proceeds of a substantially concurrent issue
  of shares of the Corporation ranking junior to the Series P Preferred Shares);</FONT>
</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;the Corporation shall not redeem, purchase or otherwise retire less than
  all of the Series P Preferred Shares (for the purposes hereof, a conversion
  of Series P Preferred Shares shall not be deemed to be a redemption, purchase
  or retirement of such shares); or</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;the Corporation shall not redeem, purchase or otherwise retire (except
  in connection with the exercise of a shareholder&#146;s retraction privilege
  or any mandatory redemption obligation attaching thereto) any shares of any
  class or series ranking on a parity with the Series P Preferred Shares provided
  that, for greater certainty, the covenant in this clause (d) shall not limit
  or affect any such action in respect of any class of shares ranking in priority
  to the Series P Preferred Shares;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">unless,
  in each such case, all cumulative dividends accrued on outstanding Series P
  Preferred Shares up to and including the dividend payable for the last completed
  period for which dividends were payable shall have been declared and paid.</FONT>
</P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;Any approval of the holders of Series P Preferred Shares required to be
  given pursuant to this section 3.8.8 may be given in accordance with the second
  paragraph of section 3.8.10 and section 3.8.13. Notwithstanding the provisions
  of section 3.8.13 hereof, any approval required to be given pursuant to this
  section 3.8.8 shall be required to be given only by the affirmative vote of
  the holders of the majority of the Series P Preferred Shares present or represented
  at a meeting, or adjourned meeting, of the holders of Series P Preferred Shares
  duly called for the purpose and at which a quorum is present.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.8.9
  </I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B><B><I>Purchase for Cancellation</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The Corporation may at any time purchase for cancellation the whole or
  any part of the Series P Preferred Shares outstanding from time to time, in
  the open market through or from an investment dealer or any firm holding membership
  on a recognized stock exchange, or by private agreement or otherwise, at the
  lowest price or prices at which in the opinion of the Board of Directors of
  the Corporation such shares are obtainable plus in each case all accrued and
  unpaid dividends and costs of purchase.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.8.10
  </I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B><B><I>Voting Rights</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;If the Corporation fails to pay eight dividends on the Series P Preferred
  Shares, whether or not consecutive, the holders of the Series P Preferred Shares
  shall have the right to receive notice of, and to attend, each meeting of shareholders
  of the Corporation which takes place more than 60 days after the date on which
  the failure first occurs (other than a separate meeting of the holders of another
  series or class of shares) and such holders shall also have the right, at any
  such meeting, to one vote for each Series P Preferred Share held, until all
  such arrears of dividends on the Series P Preferred Shares shall have been paid
  whereupon such rights shall cease unless and until the same default shall again
  arise under the provisions of this section 3.8.10.</font> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;In connection with any actions to be taken by the Corporation which require
  the approval of the holders of the Series P Preferred Shares voting as a series
  or as part of a class, each Series P Preferred Share shall entitle the holder
  thereof to one vote for such purpose.</font> </P>
<P ALIGN="justify">&nbsp;</P>
<hr>
<p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;34&#150;</font></p>
<p>&nbsp;</p>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.8.11</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B><B><I>
  Issue of Additional Preferred Shares</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The Corporation may issue additional series of First Preferred Shares
  ranking on a parity with the Series P Preferred Shares without the authorization
  of the holders of the Series P Preferred Shares.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.8.12</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B><B><I>
  Modifications</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The provisions attaching to the Series P Preferred Shares as a series
  may be repealed, altered, modified or amended from time to time with such approval
  as may then be required by the <I>Canada Business Corporations Act</I>, any
  such approval to be given in accordance with section 3.8.13.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.8.13
  </I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B><B><I>Approval of Holders
  of Series P Preferred Shares</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;Any approval given by the holders of the Series P Preferred Shares shall
  be deemed to have been sufficiently given if it shall have been given by the
  holders of Series P Preferred Shares as provided in the provisions attaching
  to the First Preferred Shares as a class, which provisions shall apply <I>mutatis
  mutandis</I>.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.8.14
  </I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B><B><I>Intentionally Deleted</I></B></FONT></P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.8.15</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B><B><I>
  Mail Service Interruption</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;If the Corporation determines that mail service is, or is threatened to
  be, interrupted at the time when the Corporation is required or elects to give
  any notice hereunder by mail, or is required to send any cheque or any share
  certificate to the holder of any Series P Preferred Shares, whether in connection
  with the redemption or conversion of such share or otherwise, the Corporation
  may, notwithstanding the provisions hereof:</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;give such notice by telex, telecopier or telegraph communication or by
  means of publication once in each of two successive weeks in a newspaper of
  general circulation published or distributed in Montr&eacute;al and Toronto
  and such notice shall be deemed to have been given on the date on which such
  telex, telecopier or telegraph communication was given or on the date on which
  the first publication has taken place;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;fulfill the requirement to send such cheque or such share certificate
  by arranging for delivery thereof to the principal office of the Corporation
  in Montr&eacute;al, and such cheque and/or certificate shall be deemed to have
  been sent on the date on which notice of such arrangement shall have been given
  as provided in (a) above, provided that as soon as the Corporation determines
  that mail service is no longer interrupted or threatened to be interrupted such
  cheque or share certificate, if not theretofore delivered to such holder, shall
  be sent by ordinary unregistered first class prepaid mail to the registered
  address of each person who at the date of mailing is a registered holder and
  who is entitled to receive such cheque or share certificate, or in the event
  of the address of any such holder not so appearing, then at the last address
  of such holder known to the Corporation.</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.8.16
  </I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B><B><I>Definitions</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;In the provisions herein contained attaching to the Series P Preferred
  Shares:</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;in priority to&#148;, &#147;on a parity with&#148; and &#147;junior
  to&#148; have reference to the order of priority in payment of dividends and
  in the distribution of assets in the event of any liquidation, dissolution or
  winding up of the Corporation, whether voluntary or involuntary, or other distribution
  of the assets of the Corporation among its shareholders for the purpose of winding
  up its affairs; and</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp; &#147;accrued and unpaid dividends&#148; means the aggregate of (i) all
  unpaid dividends on the Series P Preferred Shares for any quarterly period and
  (ii) the amount calculated as though dividends on each Series P Preferred Share
  had been accruing on a day to day basis from and including the date on which
  the last quarterly dividend was payable to but excluding the date to which the
  computation of accrued dividends is to be made.</FONT> </P>
<P ALIGN="justify">&nbsp;</P>
<hr>
<p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;35&#150;</font></p>
<p>&nbsp;</p>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B>3.9 </B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B><B>Series
  Q Preferred Shares</B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The Series Q Preferred Shares shall, in addition to the rights, privileges,
  restrictions and conditions attaching to the First Preferred Shares as a class,
  carry and be subject to the following rights, privileges, restrictions and conditions:</font>
</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.9.1</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B><B><I>
  Dividend</I></B></FONT></P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.9.1.1
  </I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B><B><I>Definitions</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;For the purposes hereof, the following capitalized terms shall have the
  following meanings, unless the context otherwise requires;</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Adjustment Factor&#148; for any Month means the percentage per annum,
  positive or negative, based on the Calculated Trading Price of the Series Q
  Preferred Shares for the preceding Month, determined in accordance with the
  following table:</FONT></P>
<table width="75%" border="0" align="center">
  <tr>
    <td width="60%"><div align="center"><font size="2" face="Arial, Helvetica, sans-serif"><u>If
        Calculated Trading</u></font></div></td>
    <td width="40%"><div align="center"><font size="2" face="Arial, Helvetica, sans-serif"><u>The
        Adjustment Factor as a</u></font></div></td>
  </tr>
  <tr>
    <td width="60%"><div align="center"><font size="2" face="Arial, Helvetica, sans-serif"><u>Price
        is</u></font></div></td>
    <td width="40%"><div align="center"><font size="2" face="Arial, Helvetica, sans-serif"><u>Percentage
        of Prime Shall Be</u></font></div></td>
  </tr>
  <tr>
    <td width="60%"><font size="2" face="Arial, Helvetica, sans-serif">$25.50
      or more</font></td>
    <td width="40%"><div align="center"><font size="2" face="Arial, Helvetica, sans-serif">-4.00%
        </font></div></td>
  </tr>
  <tr>
    <td width="60%"><font size="2" face="Arial, Helvetica, sans-serif">$25.375
      and less than $25.50</font></td>
    <td width="40%"><div align="center"><font size="2" face="Arial, Helvetica, sans-serif">
        -3.00%</font></div></td>
  </tr>
  <tr>
    <td width="60%"><font size="2" face="Arial, Helvetica, sans-serif">$25.25
      and less than $25.375</font></td>
    <td width="40%"><div align="center"><font size="2" face="Arial, Helvetica, sans-serif">-2.00%</font></div></td>
  </tr>
  <tr>
    <td width="60%"><font size="2" face="Arial, Helvetica, sans-serif">$25.125
      and less than $25.25</font></td>
    <td width="40%"><div align="center"><font size="2" face="Arial, Helvetica, sans-serif">
        -1.00%</font></div></td>
  </tr>
  <tr>
    <td width="60%"><font size="2" face="Arial, Helvetica, sans-serif">Greater
      than $24.875 and less than $25.125</font></td>
    <td width="40%"><div align="center"><font size="2" face="Arial, Helvetica, sans-serif">
        nil</font></div></td>
  </tr>
  <tr>
    <td width="60%"><font size="2" face="Arial, Helvetica, sans-serif">Greater
      than $24.75 to $24.875</font></td>
    <td width="40%"><div align="center"><font size="2" face="Arial, Helvetica, sans-serif">1.00%</font></div></td>
  </tr>
  <tr>
    <td width="60%"><font size="2" face="Arial, Helvetica, sans-serif">Greater
      than $24.625 to $24.75</font></td>
    <td width="40%"><div align="center"><font size="2" face="Arial, Helvetica, sans-serif">2.00%</font></div></td>
  </tr>
  <tr>
    <td width="60%"><font size="2" face="Arial, Helvetica, sans-serif">Greater
      than $24.50 to $24.625</font></td>
    <td width="40%"><div align="center"><font size="2" face="Arial, Helvetica, sans-serif">3.00%</font></div></td>
  </tr>
  <tr>
    <td width="60%"><font size="2" face="Arial, Helvetica, sans-serif">$24.50
      or less</font></td>
    <td width="40%"><div align="center"><font size="2" face="Arial, Helvetica, sans-serif">4.00%
        </font> </div></td>
  </tr>
</table>
<P ALIGN="center"><font size="2" face="Arial, Helvetica, sans-serif">The maximum
  Adjustment Factor for any month will be <U>+</U>4.00%.</font></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;If in any Month there is no trade on the Exchange of Series Q Preferred
  Shares of a board lot or more, the Adjustment Factor for the following Month
  shall be nil;</font></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif"> (b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Annual Dividend Rate&#148; means the Annual Fixed Dividend Rate
  or the Annual Floating Dividend Rate, whichever is provided by this section
  3.9.1 to be applicable at the relevant time;</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Annual Fixed Dividend Rate&#148; means 6.90% per annum;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Annual Floating Dividend Rate&#148; means for any Month the rate
  of interest expressed as a percentage per annum (rounded to the nearest one-thousandth
  (1/1000) of one percent (1%)) which is equal to Prime multiplied by the Designated
  Percentage for such Month;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Banks&#148; means any two of Royal Bank of Canada, Bank of Montreal,
  The Bank of Nova Scotia, The Toronto-Dominion Bank and Canadian Imperial Bank
  of Commerce and any successor of any of them as may be designated from time
  to time by the Board of Directors by notice given to the transfer agent for
  the Series Q Preferred Shares, such notice to take effect on, and to be given
  at least two (2) business days prior to, the commencement of a particular Dividend
  Period and, until such notice is first given, means Royal Bank of Canada and
  The Toronto-Dominion Bank;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Calculated Trading Price&#148; for any Month means:</FONT> </P>
<div align="justify">
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(i)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="LEFT"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          the aggregate of the Daily Adjusted Trading Value for all Trading Days
          in such Month;</FONT> </P></TD>
    </TR>
  </TABLE>
  <p><font size="2" face="Arial, Helvetica, sans-serif"> &nbsp;&nbsp;&nbsp;&nbsp;divided
    by</font></p>
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(ii)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="LEFT"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          the aggregate of the Daily Trading Volume for all Trading Days in such
          Month;</FONT> </P></TD>
    </TR>
  </TABLE>
  <p><font size="2" face="Arial, Helvetica, sans-serif"> </font></p>
  <hr>
  <p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;36&#150;</font></p>
  <p>&nbsp;</p>
  <p><FONT size="2" FACE="Arial, Helvetica, sans-serif">(g)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    &nbsp;&#147;Daily Accrued Dividend Deduction&#148; for any Trading Day means:</FONT>
  </p>
</div>
<div align="justify">
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(i)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          the product obtained by multiplying the dividend accrued on a Series
          Q Preferred Share in respect of the Month in which the Trading Day falls
          by the number of days elapsed from but excluding the day prior to the
          Ex-Dividend Date immediately preceding such Trading Day to and including
          such Trading Day (or if such Trading Day is an Ex-Dividend Date, by
          one (1) day);</FONT> </P></TD>
    </TR>
  </TABLE>
  <p><font size="2" face="Arial, Helvetica, sans-serif"> &nbsp;&nbsp;&nbsp;&nbsp;divided
    by</font></p>
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(ii)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="LEFT"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          the number of days from and including such Ex-Dividend Date to but excluding
          the following Ex-Dividend Date;</FONT> </P></TD>
    </TR>
  </TABLE>
  <p><font size="2" face="Arial, Helvetica, sans-serif"><BR>
    </font><FONT size="2" FACE="Arial, Helvetica, sans-serif">(h)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    &nbsp;&#147;Daily Adjusted Trading Value&#148; for any Trading Day means:</FONT></p>
</div>
<div align="justify">
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(i)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          the aggregate dollar value of all transactions of Series Q Preferred
          Shares on the Exchange (made on the basis of the normal settlement period
          in effect on the Exchange) occurring during such Trading Day;</FONT>
        </P></TD>
    </TR>
  </TABLE>
</div>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;less</font></P>
<div align="justify">
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(ii)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="LEFT"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          the Daily Trading Volume for such Trading Day multiplied by the Daily
          Accrued Dividend Deduction for such Trading Day;</FONT> </P></TD>
    </TR>
  </TABLE>
  <p><font size="2" face="Arial, Helvetica, sans-serif">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    &nbsp;&#147;Daily Trading Volume&#148; for any Trading Day means the aggregate
    number of Series Q Preferred Shares traded in all transactions (made on the
    basis of the normal settlement period in effect on the Exchange) occurring
    during such Trading Day on the Exchange;</font></p>
</div>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(j)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Deemed Record Date&#148; means the last Trading Day of a Month with
  respect to which no dividend is declared by the Board of Directors;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(k)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Designated Percentage&#148; for the Month of December, 2000 means
  eighty percent (80%) and for each Month thereafter means the Adjustment Factor
  for such Month plus the Designated Percentage for the preceding Month, provided
  that the Annual Floating Dividend Rate for any Month shall in no event be less
  than 50% of Prime for such Month or more than 100% of Prime for such Month;</FONT>
</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(l)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp; &#147;Dividend Payment Date&#148; means:</FONT> </P>
<div align="justify">
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(i)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="LEFT"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          during the Fixed Rate Period, the first day of each of March, June,
          September and December in each year; and</FONT> </P></TD>
    </TR>
  </TABLE>
  <font size="2" face="Arial, Helvetica, sans-serif"><BR>
  </font>
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(ii)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="LEFT"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          during the Floating Rate Period, the 12th day of each Month commencing
          with the Month of January, 2001;</FONT> </P></TD>
    </TR>
  </TABLE>
  <font size="2" face="Arial, Helvetica, sans-serif"><BR>
  &nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp; and the first Dividend Payment Date shall
  be March 1, 1996; </font> </div>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(m)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Dividend Period&#148; means:</FONT> </P>
<div align="justify">
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(i)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          during the Fixed Rate Period, the period from and including a Dividend
          Payment Date to but not including the next succeeding Dividend Payment
          Date; and</FONT> </P></TD>
    </TR>
  </TABLE>
  <font size="2" face="Arial, Helvetica, sans-serif"><BR>
  </font>
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(ii)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="LEFT"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          during the Floating Rate Period, a Month;</FONT> </P></TD>
    </TR>
  </TABLE>
</div>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(n)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp; &#147;Ex-Dividend Date&#148; means:</FONT></P>
<div align="justify">
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(i)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          the Trading Day which, under the rules or normal practices of the Exchange,
          is designated or recognized as the ex-dividend date relative to any
          dividend record date</FONT></P></TD>
    </TR>
  </TABLE>
  <p>&nbsp;</p>
  <hr>
  <p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;37&#150;</font></p>
  <p>&nbsp;</p>
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%">&nbsp;</TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="LEFT"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          for the Series Q Preferred Shares; or</FONT> </P></TD>
    </TR>
  </TABLE>
  <br>
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(ii)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          if the Board of Directors fails to declare a dividend in respect of
          a Month, the Trading Day which, under the rules or normal practices
          of the Exchange, would be recognized as the Ex-Dividend Date relative
          to any Deemed Record Date for the Series Q Preferred Shares;</FONT>
        </P></TD>
    </TR>
  </TABLE>
</div>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(o)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Exchange&#148; means The Montreal Exchange or The Toronto Stock
  Exchange or such other exchange or trading market in Canada as may be determined
  from time to time by the Corporation as being the principal trading market for
  the Series Q Preferred Shares;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(p)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Fixed Rate Period&#148; means the period commencing with the date
  of issue of the Series Q Preferred Shares and ending on and including November
  30, 2000;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(q)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Floating Rate Period&#148; means the period commencing immediately
  after the end of the Fixed Rate Period and continuing for so long as any of
  the Series Q Preferred Shares shall be outstanding;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(r)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Month&#148; means a calendar month;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(s)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Prime&#148; for a Month means the average (rounded to the nearest
  one-thousandth (1/1000) of one percent (1%)) of the Prime Rate in effect on
  each day of such Month;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(t)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Prime Rate&#148; for any day means the average (rounded to the nearest
  one-thousandth (1/1000) of one percent (1%)) of the annual rates of interest
  announced from time to time by the Banks as the reference rates then in effect
  for such day for determining interest rates on Canadian dollar commercial loans
  made to prime commercial borrowers in Canada. If one of the Banks does not have
  such an interest rate in effect on a day, the Prime Rate for such day shall
  be such interest rate in effect for that day of the other Bank; if both Banks
  do not have such an interest rate in effect on a day, the Prime Rate for that
  day shall be equal to one and a half percent (1.5%) per annum plus the average
  yield expressed as a percentage per annum on 91-day Government of Canada Treasury
  Bills, as reported by the Bank of Canada, for the weekly tender for the week
  immediately preceding that day; and if both of such Banks do not have such an
  interest rate in effect on a day and the Bank of Canada does not report such
  average yield per annum, the Prime Rate for that day shall be equal to the Prime
  Rate for the next preceding day. The Prime Rate and Prime shall be determined
  from time to time by an officer of the Corporation from quotations supplied
  by the Banks or otherwise publicly available. Such determination shall, in the
  absence of manifest error, be final and binding upon the Corporation and upon
  all holders of Series Q Preferred Shares;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(u)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &#147;Trading Day&#148; means, if the Exchange is a stock exchange in Canada,
  a day on which the Exchange is open for trading or, in any other case, a business
  day.</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.9.1.2
  </I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B><B><I>General</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The holders of the Series Q Preferred Shares shall be entitled to receive
  cumulative preferred cash dividends, as and when declared by the Board of Directors,
  out of moneys of the Corporation properly applicable to the payment of dividends,
  at the rates and times herein provided. Dividends on the Series Q Preferred
  Shares shall accrue on a daily basis from and including the date of issue thereof,
  and shall be payable quarterly during the Fixed Rate Period and monthly during
  the Floating Rate Period. Payment of the dividend on the Series Q Preferred
  Shares payable on any Dividend Payment Date (less any tax required to be deducted)
  shall be made by cheque at par in lawful money of Canada payable at any branch
  in Canada of the Corporation&#146;s bankers.</font> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;Dividends declared on the Series Q Preferred Shares shall (except in case
  of redemption in which case payment of dividends shall be made on surrender
  of the certificate representing the Series Q Preferred Shares to be redeemed)
  be paid by posting in a postage paid envelope addressed to each holder of the
  Series Q Preferred Shares at the last address of such holder as it appears on
  the securities register of the Corporation or, in the event of the address of
  any holder not so appearing, then to the address of such holder last known to
  the Corporation, or, in the case of joint holders, to the address of that one
  whose name appears first in the securities register of the Corporation as one
  of such joint holders, a cheque for such dividends (less any tax required to
  be </font></P>
<P ALIGN="justify">&nbsp;</P>
<hr>
<p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;38&#150;</font></p>
<p>&nbsp;</p>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">deducted)
  payable to the order of such holder or, in the case of joint holders, to the
  order of all such holders failing written instructions from them to the contrary.
  Notwithstanding the foregoing, any dividend cheque may be delivered by the Corporation
  to a holder of Series Q Preferred Shares at his address as aforesaid. The posting
  or delivery of such cheque shall be deemed to be payment and shall satisfy and
  discharge all liabilities for the payment of such dividends to the extent of
  the sum represented thereby (plus the amount of any tax required to be deducted
  as aforesaid) unless such cheque is not paid on due presentation.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.9.1.3
  </I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B><B><I>Fixed Rate Period</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;During the Fixed Rate Period, the dividends in respect of the Series Q
  Preferred Shares shall be payable quarterly at the Annual Fixed Dividend Rate.
  Accordingly, on each Dividend Payment Date during the Fixed Rate Period, other
  than March 1, 1996, but including December 1, 2000, the dividend payable shall
  be $0.43125 per Series Q Preferred Share. The amount of the first quarterly
  dividend payable on each Series Q Preferred Share on March 1, 1996, shall be
  $0.4726 per share.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.9.1.4
  </I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B><B><I>Floating Rate Period</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;During the Floating Rate Period, the dividends in respect of the Series
  Q Preferred Shares shall be payable monthly at the Annual Floating Dividend
  Rate as calculated from time to time. Accordingly, on each Dividend Payment
  Date during the Floating Rate Period, the dividend payable on the Series Q Preferred
  Shares shall be that amount (rounded to the nearest one-thousandth (1/1000)
  of one cent) obtained by multiplying $25.00 by the Annual Floating Dividend
  Rate applicable to the Month preceding such Dividend Payment Date and by dividing
  the product by twelve. The record date for the purpose of determining holders
  of Series Q Preferred Shares entitled to receive dividends on each Dividend
  Payment Date during the Floating Rate Period shall be the last Trading Day of
  the next preceding Month. In the event of the redemption or purchase of the
  Series Q Preferred Shares during the Floating Rate Period or the distribution
  of the assets of the Corporation during the Floating Rate Period as contemplated
  by section 3.9.2 hereof, the amount of the dividend which has accrued during
  the Month in which such redemption, purchase or distribution occurs shall be
  the amount (rounded to the nearest one-thousandth (1/1000) of one cent) calculated
  by multiplying :</font> </P>
<div align="justify">
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(i)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          the amount obtained by multiplying $25.00 by one-twelfth (1/12) of the
          Annual Floating Dividend Rate applicable to the</FONT> <font size="2" face="Arial, Helvetica, sans-serif">preceding
          Month; by</font></P></TD>
    </TR>
  </TABLE>
  <br>
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(ii)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          a fraction of which the numerator is the number of days elapsed in the
          Month in which such redemption, purchase or distribution occurs up to
          but not including the date of such event and the denominator of which
          is the number of days in that Month.</FONT> </P></TD>
    </TR>
  </TABLE>
</div>
<div align="justify"> </div>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.9.1.5
  </I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B><B><I>Calculation of Designated
  Percentage</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The Corporation shall as promptly as practicable calculate the Designated
  Percentage for each Month and give notice thereof to all stock exchanges in
  Canada on which the Series Q Preferred Shares are listed for trading or if the
  Series Q Preferred Shares are not listed on a stock exchange in Canada to the
  Investment Dealers Association of Canada.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.9.2
  </I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B><B><I>Rights on Liquidation</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;In the event of the liquidation, dissolution or winding up of the Corporation
  or any other distribution of assets of the Corporation for the purpose of winding
  up its affairs, the holders of the Series Q Preferred Shares shall be entitled
  to received $25.00 per Series Q Preferred Share together with all dividends
  accrued and unpaid up to but excluding the date of payment or distribution,
  before any amounts shall be paid or any assets of the Corporation distributed
  to the holders of the Common Shares of the Corporation or any other shares ranking
  junior to the Series Q Preferred Shares. Upon payment of such amounts, the holders
  of the Series Q Preferred Shares shall not be entitled to share in any further
  distribution of the property or assets of the Corporation.</font> </P>
<P ALIGN="justify">&nbsp;</P>
<hr>
<p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;39&#150;</font></p>
<p>&nbsp;</p>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.9.3
  </I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B><B><I>Redemption at the
  Option of the Corporation</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The Corporation may not redeem any of the Series Q Preferred Shares prior
  to December 1, 2000. Subject to applicable law and section 3.9.5 hereof, upon
  giving notice as hereinafter provided, the Corporation may: i) on December 1,
  2000 redeem all, but not less than all, of the outstanding Series Q Preferred
  Shares, on payment of $25.00 for each such share to be redeemed; and ii) subsequent
  to December 1, 2000 redeem at any time all, but not less than all, the outstanding
  Series Q Preferred Shares, on payment of $25.50 for each such share to be redeemed,
  in each case, together with accrued and unpaid dividends up to but excluding
  the date fixed for redemption, the whole constituting the redemption price.</font>
</P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The Corporation shall give notice in writing not less than 45 days nor
  more than 60 days prior to the date on which the redemption is to take place
  to each person who at the date of giving such notice is the holder of Series
  Q Preferred Shares to be redeemed of the intention of the Corporation to redeem
  such shares; such notice shall be given by posting the same in a postage paid
  envelope addressed to each holder of Series Q Preferred Shares to be redeemed
  at the last address of such holder as it appears on the securities register
  of the Corporation or, in the event of the address of any holder not so appearing,
  then to the address of such holder last known to the Corporation, provided that
  the accidental failure or omission to give any such notices as aforesaid to
  one or more of such holders shall not affect the validity of the redemption
  as to the other holders of the Series Q Preferred Shares to be redeemed. Such
  notice shall set out the number of such Series Q Preferred Shares held by the
  person to whom it is addressed which are to be redeemed and the redemption price
  and shall also set out the date on which the redemption is to take place, and
  on and after the date so specified for redemption the Corporation shall pay
  or cause to be paid to the holders of such Series Q Preferred Shares to be redeemed
  the redemption price on presentation and surrender at any place or places within
  Canada designated by such notice, of the certificate or certificates for such
  Series Q Preferred Shares so called for redemption; such payment shall be made
  by cheque payable at par at any branch in Canada of the Corporation&#146;s bankers;
  from and after the date specified in any such notice, the Series Q Preferred
  Shares called for redemption shall cease to be entitled to dividends and the
  holders thereof shall not be entitled to exercise any of the rights of shareholders
  in respect thereof unless payment of the redemption price shall not be duly
  made by the Corporation; at any time after notice of redemption is given as
  aforesaid, the Corporation shall have the right to deposit the redemption price
  of any or all Series Q Preferred Shares called for redemption with any chartered
  bank or banks or with any trust company or trust companies in Canada named in
  the notice of redemption to the credit of a special account or accounts in trust
  for the respective holders of such shares, to be paid to them respectively upon
  surrender to such bank or banks or trust company or trust companies of the certificate
  or certificates representing the same, and upon such deposit or deposits being
  made, such shares shall be redeemed on the redemption date specified in the
  notice of redemption; after the Corporation has made a deposit as aforesaid
  with respect to any shares, the holders thereof shall not, from and after the
  redemption date, be entitled to exercise any of the rights of shareholders in
  respect thereof and the rights of the holders thereof shall be limited to receiving
  the proportion of the amounts so deposited applicable to such shares, without
  interest; any interest allowed on such deposit shall belong to the Corporation.</font>
</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.9.4
  </I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B><B><I>Conversion of Series
  Q Preferred Shares</I></B></FONT></P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.9.4.1
  </I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B><B><I>Conversion at the
  Option of the Holder</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;Holders of Series Q Preferred Shares shall have the right, at their option,
  on December 1, 2000 and on December 1 in every fifth year thereafter (a &#147;Conversion
  Date&#148;), to convert, subject to the terms and conditions hereof, all or
  any Series Q Preferred Shares registered in their name into Series R Preferred
  Shares of the Corporation on the basis of one (1) Series R Preferred Share for
  each Series Q Preferred Share. The Corporation shall give notice in writing
  to the then holders of the Series Q Preferred Shares of the Selected Percentage
  Rate (as defined in section 3.10.1.1 of the articles of the Corporation relating
  to the Series R Preferred Shares) determined by the Board of Directors to be
  applicable for the next succeeding Fixed Dividend Rate Period (as defined in
  section 3.10.1.1 of the articles of the Corporation relating to the Series R
  Preferred Shares) and of the conversion right provided for herein; such notice
  shall be given by posting the same in a postage paid envelope addressed to each
  holder of the Series Q Preferred Shares at the last address of such holder as
  it appears on the securities register of the Corporation or, in the event of
  the address of any holder not so appearing, then to the address of such holder
  last known to the Corporation. Such notice shall set out the Conversion Date
  and shall be given not less than 45 days nor more than 60 days prior to the
  applicable Conversion Date.</font> </P>
<P ALIGN="justify">&nbsp;</P>
<hr>
<p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;40&#150;</font></p>
<p>&nbsp;</p>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;If the Corporation gives notice as provided in section 3.9.3 to the holders
  of the Series Q Preferred Shares of the redemption of all the Series Q Preferred
  Shares, the Corporation shall not be required to give notice as provided in
  this section 3.9.4.1 to the holders of the Series Q Preferred Shares of a Selected
  Percentage Rate (as defined in section 3.10.1.1 of the articles of the Corporation
  relating to the Series R Preferred Shares) for the Series R Preferred Shares
  or of the conversion right and the right of any holder of Series Q Preferred
  Shares to convert such Series Q Preferred Shares as herein provided shall cease
  and terminate in that event.</font> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;Holders of Series Q Preferred Shares shall not be entitled to convert
  their shares into Series R Preferred Shares if, following the close of business
  on the 14th day preceding a Conversion Date, the Corporation determines that
  there would remain outstanding on the Conversion Date less than 1,000,000 Series
  R Preferred Shares, after taking into account all Series Q Preferred Shares
  tendered for conversion into Series R Preferred Shares and all Series R Preferred
  Shares tendered for conversion into Series Q Preferred Shares. The Corporation
  shall give notice in writing thereof, in accordance with the provisions of the
  first paragraph of this section 3.9.4.1, to all affected holders of Series Q
  Preferred Shares at least seven (7) days prior to the applicable Conversion
  Date and will issue and deliver, or cause to be delivered, prior to such Conversion
  Date, at the expense of the Corporation, to such holders of Series Q Preferred
  Shares, who have surrendered for conversion any certificate or certificates
  representing Series Q Preferred Shares, new certificates representing the Series
  Q Preferred Shares represented by any certificate or certificates surrendered
  as aforesaid.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.9.4.2
  </I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B><B><I>Automatic Conversion</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;If following the close of business on the 14th day preceding a Conversion
  Date the Corporation determines that there would remain outstanding on the Conversion
  Date less than 1,000,000 Series Q Preferred Shares after taking into account
  all Series Q Preferred Shares tendered for conversion into Series R Preferred
  Shares and all Series R Preferred Shares tendered for conversion into Series
  Q Preferred Shares, then, all, but not part, of the remaining outstanding Series
  Q Preferred Shares shall automatically be converted into Series R Preferred
  Shares on the basis of one (1) Series R Preferred Share for each Series Q Preferred
  Share on the applicable Conversion Date and the Corporation shall give notice
  in writing thereof, in accordance with the provisions of section 3.9.4.1, to
  the holders of such remaining Series Q Preferred Shares at least seven (7) days
  prior to the Conversion Date.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.9.4.3
  </I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B><B><I>Manner of Exercise
  of Conversion Privilege</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The conversion of Series Q Preferred Shares may be effected by surrender
  of the certificate or certificates representing the same not earlier than 45
  days prior to a Conversion Date but not later than the close of business on
  the 14th day preceding a Conversion Date during usual business hours at any
  office of any transfer agent of the Corporation at which the Series Q Preferred
  Shares are transferable accompanied by: i) payment or evidence of payment of
  the tax (if any) payable as provided in this section 3.9.4.3; and ii) a written
  instrument of surrender in form satisfactory to the Corporation duly executed
  by the holder, or his attorney duly authorized in writing, in which instrument
  such holder may also elect to convert part only of the Series Q Preferred Shares
  represented by such certificate or certificates not theretofore called for redemption
  in which event the Corporation shall issue and deliver or cause to be delivered
  to such holder, at the expense of the Corporation, a new certificate representing
  the Series Q Preferred Shares represented by such certificate or certificates
  which have not been converted.</font> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;In the event the Corporation is required to convert all remaining outstanding
  Series Q Preferred Shares into Series R Preferred Shares on the applicable Conversion
  Date as provided for in section 3.9.4.2, the Series Q Preferred Shares, in respect
  of which the holders have not previously elected to convert, shall be converted
  on the Conversion Date into Series R Preferred Shares and the holders thereof
  shall be deemed to be holders of Series R Preferred Shares at the close of business
  on the Conversion Date and shall be entitled, upon surrender during usual business
  hours at any office of any transfer agent of the Corporation at which the Series
  Q Preferred Shares were transferable of the certificate or certificates representing
  Series Q Preferred Shares not previously surrendered for conversion, to receive
  a certificate or certificates representing the same number of Series R Preferred
  Shares in the manner and subject to the terms and provisions as provided in
  this section 3.9.4.3.</font> </P>
<p>&nbsp;</p>
<div align="justify">
  <p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;41&#150;</font></p>
  <p>&nbsp;</p>
  <p><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    &nbsp;</font><FONT size="2" FACE="Arial, Helvetica, sans-serif"></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif">As
    promptly as practicable after the Conversion Date, the Corporation shall issue
    and deliver, or cause to be delivered to or upon the written order of the
    holder of the Series Q Preferred Shares so surrendered, a certificate or certificates
    issued in the name of, or in such name or names as may be directed by, such
    holder representing the number of fully-paid and non-assessable Series R Preferred
    Shares and the number of remaining Series Q Preferred Shares, if any, to which
    such holder is entitled. Such conversion shall be deemed to have been made
    at the close of business on the Conversion Date, so that the rights of the
    holder of such Series Q Preferred Shares as the holder thereof shall cease
    at such time and the person or persons entitled to receive Series R Preferred
    Shares upon such conversion shall be treated for all purposes as having become
    the holder or holders of record of such Series R Preferred Shares at such
    time.</FONT> </p>
</div>
<div align="justify">
  <p><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    &nbsp;The holder of any Series Q Preferred Share on the record date for any
    dividend declared payable on such share shall be entitled to such dividend
    notwithstanding that such share is converted into Series R Preferred Shares
    after such record date and on or before the date of the payment of such dividend.</font></p>
  <p><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    &nbsp;</font><FONT size="2" FACE="Arial, Helvetica, sans-serif"></FONT><font size="2" face="Arial, Helvetica, sans-serif">The
    issuance of certificates for the Series R Preferred Shares upon the conversion
    of Series Q Preferred Shares shall be made without charge to the converting
    holders of Series Q Preferred Shares for any fee or tax in respect of the
    issuance of such certificates or the Series R Preferred Shares represented
    thereby; provided, however that the Corporation shall not be required to pay
    any tax which may be imposed upon the person or persons to whom such Series
    R Preferred Shares are issued in respect of the issuance of such Series R
    Preferred Shares or the certificate therefor or which may be payable in respect
    of any transfer involved in the issuance and delivery of any such certificate
    in the name or names other than that of the holder of the Series Q Preferred
    Shares converted, and the Corporation shall not be required to issue or deliver
    such certificate unless the person or persons requesting the issuance thereof
    shall have paid to the Corporation the amount of such tax or shall have established
    to the satisfaction of the Corporation that such tax has been paid.</font></p>
  <p><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.9.4.4</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B><B><I>Status
    of Converted Series Q Preferred Shares</I></B></FONT></p>
</div>
<div align="justify">
  <p><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    &nbsp;</font><font size="2" face="Arial, Helvetica, sans-serif">All Series
    Q Preferred Shares converted into Series R Preferred Shares on a Conversion
    Date shall not be cancelled but shall be restored to the status of authorized
    but unissued shares of the Corporation as at the close of business on the
    Conversion Date.</font> </p>
  <p> <FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.9.5</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B><B><I>Restrictions
    on Dividends and Retirement of Shares</I></B></FONT></p>
</div>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</font><font size="2" face="Arial, Helvetica, sans-serif">Without the
  approval of the holders of outstanding Series Q Preferred Shares:</font></P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(a)</FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif"></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif"></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif">the
  Corporation shall not declare, pay or set apart for payment any dividends (other
  than stock dividends payable in shares of the Corporation ranking junior to
  the Series Q Preferred Shares) on the Common Shares of the Corporation or any
  other shares of the Corporation ranking junior to the Series Q Preferred Shares;</FONT>
</P>
<div align="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif"></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif"></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif">the
  Corporation shall not redeem, purchase or otherwise retire or make any capital
  distribution on or in respect of the Common Shares of the Corporation or any
  other shares of the Corporation ranking junior to the Series Q Preferred Shares
  (except out of the net cash proceeds of a substantially concurrent issue of
  shares of the Corporation ranking junior to the Series Q Preferred Shares);</FONT>
</div>
<div align="justify"><font size="2" face="Arial, Helvetica, sans-serif"> </font>
</div>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif"></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif"></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif">the
  Corporation shall not purchase or otherwise retire less than all of the Series
  Q Preferred Shares then outstanding; or</FONT></P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif"></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif"></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif">the
  Corporation shall not redeem, purchase or otherwise retire (except in connection
  with the exercise of any retraction privilege or any mandatory redemption obligation
  attaching thereto) any shares of any class or series ranking on a parity with
  the Series Q Preferred Shares provided that, for greater certainty, the covenant
  in this clause (d) shall not limit or affect any such action in respect of any
  class of shares ranking in priority to the Series Q Preferred Shares;</FONT></P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">unless,
  in each such case, all cumulative dividends on outstanding Series Q Preferred
  Shares accrued up to and including the dividend payable for the last completed
  period for which dividends were payable shall have been declared and paid.</FONT></P>
<P ALIGN="justify">&nbsp;</P>
<div align="justify">
  <hr>
  <p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;42&#150;</font></p>
  <p>&nbsp; </p>
</div>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</font><font size="2" face="Arial, Helvetica, sans-serif">Any approval
  of the holders of Series Q Preferred Shares required to be given pursuant to
  this section 3.9.5 may be given in accordance with the second paragraph of section
  3.9.7 and section 3.9.10. Notwithstanding the provisions of section 3.9.10 hereof,
  any approval required to be given pursuant to this section 3.9.5 shall be required
  to be given only by the affirmative vote of the holders of the majority of the
  Series Q Preferred Shares present or represented at a meeting, or adjourned
  meeting, of the holders of Series Q Preferred Shares duly called for the purpose
  and at which a quorum is present.</font> </P>
<div align="justify">
  <p><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.9.6</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>Purchase
    for Cancellation</I></B></FONT></p>
  <p><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    &nbsp;</font><font size="2" face="Arial, Helvetica, sans-serif">The Corporation
    may at any time purchase for cancellation the whole or any part of the Series
    Q Preferred Shares outstanding from time to time, in the open market through
    or from an investment dealer or any firm holding membership on a recognized
    stock exchange, or by private agreement or otherwise, at the lowest price
    or prices at which in the opinion of the Board of Directors such shares are
    obtainable plus in each case all accrued and unpaid dividends and costs of
    purchase.</font> </p>
</div>
<div align="justify">
  <p><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.9.7</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>Voting
    Rights</I></B></FONT></p>
  <p><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    &nbsp;</font><font size="2" face="Arial, Helvetica, sans-serif">If the Corporation
    fails to pay eight (8) dividends on the Series Q Preferred Shares, whether
    or not consecutive, the holders of the Series Q Preferred Shares shall have
    the right to receive notice of, and to attend, each meeting of shareholders
    of the Corporation which takes place more than 60 days after the date on which
    the failure first occurs (other than a separate meeting of the holders of
    another series or class of shares) and such holders shall also have the right,
    at any such meeting to one (1) vote for each Series Q Preferred Share held,
    until all such arrears of dividends on the Series Q Preferred Shares shall
    have been paid whereupon such rights shall cease unless and until the same
    default shall again arise under the provisions of this section 3.9.7.</font></p>
</div>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</font><font size="2" face="Arial, Helvetica, sans-serif">In connection
  with any actions to be taken by the Corporation which require the approval of
  the holders of the Series Q Preferred Shares voting as a series or as part of
  a class, each Series Q Preferred Share shall entitle the holder thereof to one
  (1) vote for such purpose.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.9.8</I></B></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B><B><I>Issue
  of Additional Preferred Shares</I></B></FONT> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</font><font size="2" face="Arial, Helvetica, sans-serif">The Corporation
  may issue additional series of First Preferred Shares ranking on a parity with
  the Series Q Preferred Shares without the authorization of the holders of the
  Series Q Preferred Shares.</font></P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.9.9</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B><B><I>Modifications</I></B></FONT></P>
<div align="justify">
  <p><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    &nbsp;</font><font size="2" face="Arial, Helvetica, sans-serif">The provisions
    attaching to the Series Q Preferred Shares as a series may be repealed, altered,
    modified or amended from time to time with such approval as may then be required
    by the <I>Canada Business Corporations Act</I>, any such approval to be given
    in accordance with section 3.9.10.</font></p>
  <p><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    &nbsp;</font><font size="2" face="Arial, Helvetica, sans-serif">None of the
    series provisions of the articles of the Corporation relating to the Series
    Q Preferred Shares shall be amended or otherwise changed unless, contemporaneously
    therewith, the series provisions, if any, relating to the Series R Preferred
    Shares are, to the extent deemed required by the Corporation, amended or otherwise
    changed in the same proportion and in the same manner.</font> </p>
</div>
<div align="justify">
  <p><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.9.10</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B><B><I>Approval
    of Holders of Series Q Preferred Shares</I></B></FONT></p>
  <p><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    &nbsp;</font><font size="2" face="Arial, Helvetica, sans-serif">Any approval
    given by the holders of the Series Q Preferred Shares shall be deemed to have
    been sufficiently given if it shall have been given by the holders of Series
    Q Preferred Shares as provided in the provisions attaching to the First Preferred
    Shares as a class, which provisions shall apply <I>mutatis mutandis</I>.</font></p>
</div>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.9.11</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B><B><I>Tax
  Election</I></B></FONT> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</font><font size="2" face="Arial, Helvetica, sans-serif">The Corporation
  shall elect, in the manner and within the time provided under the <I>Income
  Tax Act </I>(Canada), under subsection 191.2(1) of the said Act, or any successor
  or replacement provision of similar effect, and take all other necessary action
  under such Act, to pay tax at a rate such that no holder of the Series Q Preferred
  Shares will be required to pay tax on dividends received on the Series Q Preferred
  Shares under section</font></P>
<div align="justify">
  <p>&nbsp;</p>
  <hr>
  <p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;43&#150;</font></p>
  <p align="center">&nbsp;</p>
  <p><font size="2" face="Arial, Helvetica, sans-serif"> 187.2 of Part IV.I of
    such Act or any successor or replacement provision of similar effect.</font>
  </p>
</div>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.9.12</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B><B><I>Mail
  Service Interruption</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</font><font size="2" face="Arial, Helvetica, sans-serif">If the Corporation
  determines that mail service is, or is threatened to be, interrupted at the
  time when the Corporation is required or elects to give any notice hereunder
  by mail, or is required to send any cheque or any share certificate to the holder
  of any Series Q Preferred Shares, whether in connection with the redemption
  or conversion of such share or otherwise, the Corporation may, notwithstanding
  the provisions hereof:</font></P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(a)</FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif"></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif"></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif">give
  such notice by telex, telecopier or telegraph communication or by means of publication
  once in each of two successive weeks in a newspaper of general circulation published
  or distributed in Montr&eacute;al and Toronto and such notice shall be deemed
  to have been given on the date on which such telex, telecopier or telegraph
  communication was given or on the date on which the first publication has taken
  place; and</FONT></P>
<div align="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif"></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif"></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif"></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif">fulfill
  the requirement to send such cheque or such share certificate by arranging for
  delivery thereof to the principal office of the Corporation in Montr&eacute;al,
  and such cheque and/or certificate shall be deemed to have been sent on the
  date on which notice of such arrangement shall have been given as provided in
  (a) above, provided that as soon as the Corporation determines that mail service
  is no longer interrupted or threatened to be interrupted such cheque or share
  certificate, if not theretofore delivered to such holder, shall be sent by ordinary
  unregistered first class prepaid mail to the registered address of each person
  who at the date of mailing is a registered holder and who is entitled to receive
  such cheque or share certificate, or in the event of the address of any such
  holder not so appearing, then at the last address of such holder known to the
  Corporation.</FONT> </div>
<div align="justify"> </div>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.9.13</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B><B><I>Notice
  of Annual Dividend Rate Applicable to the Series R Preferred Shares</I></B></FONT></P>
<div align="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</font><font size="2" face="Arial, Helvetica, sans-serif">Within three
  (3) business days of the determination of the Annual Dividend Rate (as defined
  in section 3.10.1.1 of the articles of the Corporation relating to the Series
  R Preferred Shares) the Corporation shall give notice thereof to the holders
  of the Series Q Preferred Shares by publication once in the national edition
  of the Globe and Mail in the English language and once in the City of Montr&eacute;al
  in both the French and English languages in a daily newspaper of general circulation
  in Montr&eacute;al; provided that if any such newspaper is not being generally
  circulated at that time, such notice shall be published in another equivalent
  publication.</font> </div>
<div align="justify"> </div>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.9.14</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B><B><I>Definitions</I></B></FONT>
</P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</font><font size="2" face="Arial, Helvetica, sans-serif">In the provisions
  herein contained attaching to the Series Q Preferred Shares:</font></P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(a)</FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif"></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif"></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif">&#147;accrued
  and unpaid dividends&#148; means: i) during the Fixed Rate Period, the aggregate
  of (A) all unpaid dividends on the Series Q Preferred Shares for any Dividend
  Period and (B) the amount calculated as though dividends on each Series Q Preferred
  Share had been accruing on a day-to-day basis from and including the date on
  which the last quarterly dividend was payable to but excluding the date to which
  the computation of accrued dividends is to be made; and ii) during the Floating
  Rate Period, the aggregate of (A) all unpaid dividends on the Series Q Preferred
  Shares for any Dividend Period and (B) the amount calculated as though dividends
  on each Series Q Preferred Share had been accruing on a day-to-day basis from
  and including the first day of the Month immediately following the Month with
  respect to which the dividend was or will be, as the case may be, payable to
  but excluding the date to which the computation of accrued dividends is to be
  made; and</FONT></P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif"></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif"></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif">&#147;in
  priority to&#148;, &#147;on a parity with&#148; and &#147;junior to&#148; have
  reference to the order of priority in payment of dividends and in the distribution
  of assets in the event of any liquidation, dissolution or winding up of the
  Corporation, whether voluntary or involuntary, or other distribution of the
  assets of the Corporation among its shareholders for the purpose of winding
  up its affairs.</FONT></P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.9.15</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B><B><I>Interpretation</I></B></FONT>
</P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</font><font size="2" face="Arial, Helvetica, sans-serif">In the event
  that any date on which any dividend on the Series Q Preferred Shares is payable
  by the Corporation, or any date on or by which any other action is required
  to be taken by the Corporation or the holders of Series Q Preferred Shares hereunder,
  is not a business day (as hereinafter defined), then such dividend shall be
  payable, or such other action shall be required to be taken, on or by the next
  succeeding day that is a </font></P>
<P ALIGN="justify">&nbsp;</P>
<hr>
<p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;44&#150;</font></p>
<P ALIGN="justify">&nbsp;</P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">business
  day. A &#147;business day&#148; shall be a day other than a Saturday, a Sunday
  or any other day that is treated as a holiday at the Corporation&#146;s principal
  office in Canada.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B>3.10</B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif"></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B>Series
  R Preferred Shares</B></FONT> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</font><FONT size="2" FACE="Arial, Helvetica, sans-serif"></FONT><font size="2" face="Arial, Helvetica, sans-serif">The
  Series R Preferred Shares shall, in addition to the rights, privileges, restrictions
  and conditions attaching to the First Preferred Shares as a class, carry and
  be subject to the following rights, privileges, restrictions and conditions:</font></P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.10.1</I></B></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif"></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>Dividend</I></B></FONT></P>
<div align="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.10.1.1</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B><B><I>Definitions</I></B></FONT>
</div>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</font><font size="2" face="Arial, Helvetica, sans-serif">For the purposes
  hereof, the following capitalized terms shall have the following meanings, unless
  the context otherwise requires:</font></P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif"></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif"></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif">&#147;Annual
  Dividend Rate&#148; means for any Fixed Dividend Rate Period the rate of interest
  expressed as a percentage per annum (rounded to the nearest one-thousandth (1/1000)
  of one percent (1 %)) which is equal to the Government of Canada Yield multiplied
  by the Selected Percentage Rate for such Fixed Dividend Rate Period; </FONT></P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(b)</FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif"></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif"></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif">&#147;Dividend
  Payment Date&#148; means the first day of each of March, June, September and
  December in each year;</FONT></P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif"></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif"></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif">&#147;Fixed
  Dividend Rate Period&#148; means for the initial Fixed Dividend Rate Period,
  the period commencing on December 1, 2000 and ending on and including November
  30, 2005, and for each succeeding Fixed Dividend Rate Period, the period commencing
  on the day immediately following the end of the immediately preceding Fixed
  Dividend Rate Period and ending on and including November 30 in the fifth year
  immediately thereafter;</FONT></P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(d)</FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif"></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif"></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif">&#147;Government
  of Canada Yield&#148; on any date shall mean the average of the yields determined
  by two registered Canadian investment dealers, selected by the Board of Directors,
  as being the yield to maturity on such date compounded semi-annually and calculated
  in accordance with generally accepted financial practice, which a non-callable
  Government of Canada Bond would carry if issued in Canadian dollars in Canada
  at 100% of its principal amount on such date with a term to maturity of five
  years; and</FONT></P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif"></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif"></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif">&#147;Selected
  Percentage Rate&#148; for each Fixed Dividend Rate Period means the rate of
  interest, expressed as a percentage of the Government of Canada Yield, determined
  by the Board of Directors as set forth in the notice to the holders of the Series
  R Preferred Shares given in accordance with the provisions of section 3.10.4.1,
  which rate of interest shall be not less than 80% of the Government of Canada
  Yield.</FONT></P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.10.1.2</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B><B><I>General</I></B></FONT></P>
<div align="justify">
  <p><font size="2" face="Arial, Helvetica, sans-serif"> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    &nbsp;</font><font size="2" face="Arial, Helvetica, sans-serif">The holders
    of the Series R Preferred Shares shall be entitled to receive fixed, cumulative,
    preferred cash dividends, as and when declared by the Board of Directors,
    out of moneys of the Corporation properly applicable to the payment of dividends,
    in the amount per share per annum determined by multiplying the Annual Dividend
    Rate by $25.00, payable quarterly in respect of each 12 month period on the
    first day of March, June, September and December by cheque at par in lawful
    money of Canada at any branch in Canada of the Corporation&#146;s bankers.</font>
  </p>
</div>
<div align="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</font><font size="2" face="Arial, Helvetica, sans-serif">Dividends declared
  on the Series R Preferred Shares shall (except in case of redemption in which
  case payment of dividends shall be made on surrender of the certificate representing
  the Series R Preferred Shares to be redeemed) be paid by posting in a postage
  paid envelope addressed to each holder of the Series R Preferred Shares at the
  last address of such holder as it appears on the securities register of the
  Corporation or, in the event of the address of any holder not so appearing,
  then to the address of such holder last known to the </font></div>
<P ALIGN="justify">&nbsp;</P>
<hr>
<p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;45&#150;</font></p>
<P ALIGN="justify">&nbsp;</P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">Corporation,
  or, in the case of joint holders, to the address of that one whose name appears
  first in the securities register of the Corporation as one of such joint holders,
  a cheque for such dividends (less any tax required to be deducted) payable to
  the order of such holder or, in the case of joint holders, to the order of all
  such holders failing written instructions from them to the contrary. Notwithstanding
  the foregoing, any dividend cheque may be delivered by the Corporation to a
  holder of Series R Preferred Shares at his address as aforesaid. The posting
  or delivery of such cheque shall be deemed to be payment and shall satisfy and
  discharge all liabilities for the payment of such dividends to the extent of
  the sum represented thereby (plus the amount of any tax required to be deducted
  as aforesaid) unless such cheque is not paid on due presentation.</font></P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.10.1.3</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B><B><I>Calculation
  of Annual Dividend Rate</I></B></FONT> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The Corporation shall calculate on the 21st day prior to the first day
  of each Fixed Dividend Rate Period the annual Dividend Rate for each Fixed Dividend
  Rate Period based upon the Selected Percentage Rate and the Government of Canada
  Yield in effect at 10:00 A.M. (Montr&eacute;al time) on the said 21st day prior
  to the first day of each Fixed Dividend Rate Period and give notice thereof:
  (i) within one (1) business day to all stock exchanges in Canada on which the
  Series R Preferred Shares are listed for trading or if the Series R Preferred
  Shares are not listed on a stock exchange in Canada, to the Investment Dealers
  Association of Canada; and (ii) within three (3) business days to, except in
  relation to the initial Fixed Dividend Rate Period, the holders of the Series
  R Preferred Shares by publication once in the national edition of the Globe
  and Mail in the English language and once in the City of Montr&eacute;al in
  both the French and English languages in a daily newspaper of general circulation
  in Montr&eacute;al; provided that if any such newspaper is not being generally
  circulated at that time, such notice shall be published in another equivalent
  publication.</font></P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.10.2</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>Rights
  on Liquidation</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</font><font size="2" face="Arial, Helvetica, sans-serif">In the event
  of the liquidation, dissolution or winding up of the Corporation or any other
  distribution of assets of the Corporation for the purpose of winding up its
  affairs, the holder of the Series R Preferred Shares shall be entitled to receive
  $25.00 per Series R Preferred Share together with all dividends accrued and
  unpaid up to but excluding the date of payment or distribution, before any amounts
  shall be paid or any assets of the Corporation distributed to the holders of
  the Common Shares of the Corporation or any other shares ranking junior to the
  Series R Preferred Shares. Upon payment of such amounts, the holders of the
  Series R Preferred Shares shall not be entitled to share in any further distribution
  of the property or assets of the Corporation.</font> </P>
<div align="justify">
  <p><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.10.3</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>Redemption
    at the Option of the Corporation</I></B></FONT></p>
</div>
<div align="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</font><font size="2" face="Arial, Helvetica, sans-serif">The Corporation
  may not redeem any of the Series R Preferred Shares prior to December 1, 2005.
  Subject to applicable law and section 3.10.5 hereof, upon giving notice as hereinafter
  provided, the Corporation may, on December 1, 2005 or on December 1 in every
  fifth year thereafter, redeem at any time all, but not less than all, the outstanding
  Series R Preferred Shares on payment of $25.00 for each such share to be redeemed
  together with accrued and unpaid dividends up to but excluding the date fixed
  for redemption, the whole constituting the redemption price.</font> </div>
<div align="justify">
  <p><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    &nbsp;</font><font size="2" face="Arial, Helvetica, sans-serif">The Corporation
    shall give notice in writing not less than 45 days nor more than 60 days prior
    to the date on which the redemption is to take place to each person who at
    the date of giving such notice is the holder of Series R Preferred Shares
    to be redeemed of the intention of the Corporation to redeem such shares;
    such notice shall be given by posting the same in a postage paid envelope
    addressed to each holder of Series R Preferred Shares to be redeemed at the
    last address of such holder as it appears on the securities register of the
    Corporation or, in the event of the address of any holder not so appearing,
    then to the address of such holder last known to the Corporation, provided
    that the accidental failure or omission to give any such notices as aforesaid
    to one or more of such holders shall not affect the validity of the redemption
    as to the other holders of the Series R Preferred Shares to be redeemed. Such
    notice shall set out the number of such Series R Preferred Shares held by
    the person to whom it is addressed which are to be redeemed and the redemption
    price and shall also set out the date on which the redemption is to take place,
    and on and after the date so specified for redemption the Corporation shall
    pay or cause to be paid to the holders of such Series R Preferred Shares to
    be redeemed the redemption price on presentation and surrender at any place
    within Canada designated by such notice, of the certificate or certificates
    for such Series R Preferred Shares so called for redemption; such payment
    shall be made by cheque payable at par at any branch in Canada of the Corporation&#146;s
    bankers; from and after the date</font></p>
  <p>&nbsp;</p>
  <hr>
  <p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;46&#150;</font></p>
  <P ALIGN="justify">&nbsp;</P>
  <p><font size="2" face="Arial, Helvetica, sans-serif">specified in any such
    notice, the Series R Preferred Shares called for redemption shall cease to
    be entitled to dividends and the holders thereof shall not be entitled to
    exercise any of the rights of shareholders in respect thereof unless payment
    of the redemption price shall not be duly made by the Corporation; at any
    time after notice of redemption is given as aforesaid, the Corporation shall
    have the right to deposit the redemption price of any or all Series R Preferred
    Shares called for redemption with any chartered bank or banks or with any
    trust company or trust companies in Canada named in the notice of redemption
    to the credit of a special account or accounts in trust for the respective
    holders of such shares, to be paid to them respectively upon surrender to
    such bank or banks or trust company or trust companies of the certificate
    or certificates representing the same, and upon such deposit or deposits being
    made, such shares shall be redeemed on the redemption date specified in the
    notice of redemption; after the Corporation has made a deposit as aforesaid
    with respect to any shares, the holders thereof shall not, from and after
    the redemption date, be entitled to exercise any of the rights of shareholders
    in respect thereof and the rights of the holders thereof shall be limited
    to receiving the proportion of the amounts so deposited applicable to such
    shares, without interest; any interest allowed on such deposit shall belong
    to the Corporation.</font></p>
</div>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.10.4</I></B></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>Conversion
  of Series R Preferred Shares</I></B></FONT></P>
<div align="justify">
  <p><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.10.4.1</I></B></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif"></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>Conversion
    at the Option of the Holder</I></B></FONT></p>
  <p><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    &nbsp;</font><font size="2" face="Arial, Helvetica, sans-serif">Holders of
    Series R Preferred Shares shall have the right, at their option, on December
    1, 2005 and on December 1 in every fifth year thereafter (a &#147;Conversion
    Date&#148;), to convert, subject to the terms and provisions hereof, all or
    any Series R Preferred Shares registered in their name into Series Q Preferred
    Shares of the Corporation on the basis of one (1) Series Q Preferred Share
    for each Series R Preferred Share. The Corporation shall give notice in writing
    to the then holders of the Series R Preferred Shares of the Selected Percentage
    Rate determined by the Board of Directors to be applicable for the next succeeding
    Fixed Dividend Rate Period and of the conversion right provided for herein;
    such notice shall be given by posting the same in a postage paid envelope
    addressed to each holder of the Series R Preferred Shares at the last address
    of such holder as it appears on the securities register of the Corporation
    or, in the event of the address of any holder not so appearing, then to the
    address of such holder last known to the Corporation. Such notice shall set
    out the Conversion Date and shall be given not less than 45 days nor more
    than 60 days prior to the applicable Conversion Date.</font></p>
</div>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</font><font size="2" face="Arial, Helvetica, sans-serif">If the Corporation
  gives notice as provided in section 3.10.3 to the holders of the Series R Preferred
  Shares of the redemption of all the Series R Preferred Shares, the Corporation
  shall not be required to give notice as provided in this section 3.10.4.1 to
  the holders of the Series R Preferred Shares of a Selected Percentage Rate or
  of the conversion right and the right of any holder of Series R Preferred Shares
  to convert such Series R Preferred Shares as herein provided shall cease and
  terminate in that event.</font></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</font><font size="2" face="Arial, Helvetica, sans-serif">Holders of Series
  R Preferred Shares shall not be entitled to convert their shares into Series
  Q Preferred Shares if, following the close of business on the 14th day preceding
  a Conversion Date, the Corporation determines that there would remain outstanding
  on the Conversion Date less than 1,000,000 Series Q Preferred Shares after taking
  into account all Series R Preferred Shares tendered for conversion into Series
  Q Preferred Shares and all Series Q Preferred Shares tendered for conversion
  into Series R Preferred Shares. The Corporation shall give notice in writing
  thereof, in accordance with the provisions of the first paragraph of this section
  3.10.4.1, to all affected holders of Series R Preferred Shares at least seven
  (7) days prior to the applicable Conversion Date and will issue and deliver,
  or cause to be delivered, prior to such Conversion Date, at the expense of the
  Corporation, to such holders of Series R Preferred Shares, who have surrendered
  for conversion any certificate or certificates representing Series R Preferred
  Shares, new certificates representing the Series R Preferred Shares represented
  by any certificate or certificates surrendered as aforesaid.</font> </P>
<div align="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.10.4.2</I></B></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B><B><I>Automatic
  Conversion</I></B></FONT> </div>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</font><font size="2" face="Arial, Helvetica, sans-serif">If following
  the close of business on the 14th day preceding a Conversion Date the Corporation
  determines that there would remain outstanding on the Conversion Date less than
  1,000,000 Series R Preferred Shares after taking into account all Series R Preferred
  Shares tendered for conversion into Series Q Preferred Shares and all Series
  Q Preferred Shares tendered for conversion into Series R Preferred Shares, then,
  all, but not part, of the remaining outstanding Series R Preferred Shares shall
  automatically be converted into Series Q Preferred Shares on the basis of one
  (1) Series Q Preferred Share for each Series R Preferred Share on </font></P>
<P ALIGN="justify">&nbsp;</P>
<hr>
<p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;47&#150;</font></p>
<P ALIGN="justify">&nbsp;</P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">the applicable
  Conversion Date and the Corporation shall give notice in writing thereof, in
  accordance with the provisions of section 3.10.4.1, to the holders of such remaining
  Series R Preferred Shares at least seven (7) days prior to the Conversion Date.</font>
</P>
<P ALIGN="justify"><b><i><font size="2" face="Arial, Helvetica, sans-serif">3.10.4.3</font></i></b><FONT size="2" FACE="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>Manner
  of Exercise of Conversion Privilege</I></B></FONT> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</font><font size="2" face="Arial, Helvetica, sans-serif">The conversion
  of Series R Preferred Shares may be effected by surrender of the certificate
  or certificates representing the same not earlier than 45 days prior to a Conversion
  Date but not later than the close of business on the 14th day preceding a Conversion
  Date during usual business hours at any office of any transfer agent of the
  Corporation at which the Series R Preferred Shares are transferable accompanied
  by: (1) payment or evidence of payment of the tax (if any) payable as provided
  in this section 3.10.4.3; and (2) a written instrument of surrender in form
  satisfactory to the Corporation duly executed by the holder, or his attorney
  duly authorized in writing, in which instrument such holder may also elect to
  convert part only of the Series R Preferred Shares represented by such certificate
  or certificates not theretofore called for redemption in which event the Corporation
  shall issue and deliver or cause to be delivered to such holder, at the expense
  of the Corporation, a new certificate representing the Series R Preferred Shares
  represented by such certificate or certificates which have not been converted.</font></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</font><font size="2" face="Arial, Helvetica, sans-serif">In the event
  the Corporation is required to convert all remaining outstanding Series R Preferred
  Shares into Series Q Preferred Shares on the applicable Conversion Date as provided
  for in section 3.10.4.2, the Series R Preferred Shares in respect of which the
  holders have not previously elected to convert, shall be converted on the Conversion
  Date into Series Q Preferred Shares and the holders thereof shall be deemed
  to be holders of Series Q Preferred Shares at the close of business on the Conversion
  Date and shall be entitled, upon surrender during usual business hours at any
  office of any transfer agent of the Corporation at which the Series R Preferred
  Shares were transferable of the certificate or certificates representing Series
  R Preferred Shares not previously surrendered for conversion, to receive a certificate
  or certificates representing the same number of Series Q Preferred Shares in
  the manner and subject to the terms and provisions as provided in this section
  3.10.4.3.</font></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</font><font size="2" face="Arial, Helvetica, sans-serif">As promptly
  as practicable after the Conversion Date, the Corporation shall issue and deliver,
  or cause to be delivered to or upon the written order of the holder of the Series
  R Preferred Shares so surrendered, a certificate or certificates, issued in
  the name of, or in such name or names as may be directed by, such holder representing
  the number of fully-paid and non-assessable Series Q Preferred Shares and the
  number of remaining Series R Preferred Shares, if any, to which such holder
  is entitled. Such conversion shall be deemed to have been made at the close
  of business on the Conversion Date, so that the rights of the holder of such
  Series R Preferred Shares as the holder thereof shall cease at such time and
  the person or persons entitled to receive Series Q Preferred Shares upon such
  conversion shall be treated for all purposes as having become the holder or
  holders of record of such Series Q Preferred Shares at such time.</font></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</font><font size="2" face="Arial, Helvetica, sans-serif">The holder of
  any Series R Preferred Share on the record date for any dividend declared payable
  on such share shall be entitled to such dividend notwithstanding that such share
  is converted into Series Q Preferred Shares after such record date and on or
  before the date of the payment of such dividend.</font></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</font><font size="2" face="Arial, Helvetica, sans-serif">The issuance
  of certificates for the Series Q Preferred Shares upon the conversion of Series
  R Preferred Shares shall be made without charge to the converting holders of
  Series R Preferred Shares for any fee or tax in respect of the issuance of such
  certificates or the Series Q Preferred Shares represented thereby; provided,
  however, that the Corporation shall not be required to pay any tax which may
  be imposed upon the person or persons to whom such Series Q Preferred Shares
  are issued in respect of the issuance of such Series Q Preferred Shares or the
  certificate therefor or which may be payable in respect of any transfer involved
  in the issuance and delivery of any such certificate in the name or names other
  than that of the holder of the Series R Preferred Shares converted, and the
  Corporation shall not be required to issue or deliver such certificate unless
  the person or persons requesting the issuance thereof shall have paid to the
  Corporation the amount of such tax or shall have established to the satisfaction
  of the Corporation that such tax has been paid.</font></P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.10.4.4</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B><B><I>Status
  of Converted Series R Preferred Shares</I></B></FONT> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</font><FONT size="2" FACE="Arial, Helvetica, sans-serif"></FONT><font size="2" face="Arial, Helvetica, sans-serif">All
  Series R Preferred Shares converted into Series Q Preferred Shares on a Conversion
  Date shall not be cancelled but shall be restored to the status of authorized
  but unissued shares of the Corporation as at</font></P>
<P ALIGN="justify">&nbsp;</P>
<hr>
<p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;48&#150;</font></p>
<P ALIGN="justify">&nbsp;</P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">the close
  of business on the Conversion Date.</font></P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.10.5</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B><B><I>Restrictions
  on Dividends and Retirement of Shares</I></B></FONT> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;Without the approval of the holders of outstanding Series R Preferred
  Shares:</font></P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif"></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif"></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif">the
  Corporation shall not declare, pay or set apart for payment any dividends (other
  than stock dividends payable in shares of the Corporation ranking junior to
  the Series R Preferred Shares) on the Common Shares of the Corporation or any
  other shares of the Corporation ranking junior to the Series R Preferred Shares;</FONT></P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif"></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif"></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif">the
  Corporation shall not redeem, purchase or otherwise retire or make any capital
  distribution on or in respect of the Common Shares of the Corporation or any
  other shares of the Corporation ranking junior to the Series R Preferred Shares
  (except out of the net cash proceeds of a substantially concurrent issue of
  shares of the Corporation ranking junior to the Series R Preferred Shares);</FONT>
</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif"></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif"></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif">the
  Corporation shall not purchase or otherwise retire less than all of the Series
  R Preferred Shares then outstanding; or</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif"></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif"></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif">the
  Corporation shall not redeem, purchase or otherwise retire (except in connection
  with the exercise of any retraction privilege or any mandatory redemption obligation
  attaching thereto) any shares of any class or series ranking on a parity with
  the Series R Preferred Shares provided that, for greater certainty, the covenant
  in this clause (d) shall not limit or affect any such action in respect of any
  class of shares ranking in priority to the Series R Preferred Shares;</FONT>
</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">unless,
  in each such case, all cumulative dividends on outstanding Series R Preferred
  Shares accrued up to and including the dividend payable for the last completed
  period for which dividends were payable shall have been declared and paid.</FONT>
</P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;Any approval of the holders of the Series R Preferred Shares required
  to be given pursuant to this section 3.10.5 may be given in accordance with
  the second paragraph of section 3.10.7 and section 3.10.10. Notwithstanding
  the provisions of section 3.10.10 hereof, any approval required to be given
  pursuant to this section 3.10.5 shall be required to be given only by the affirmative
  vote of the holders of the majority of the Series R Preferred Shares present
  or represented at a meeting or adjourned meeting, of the holders of Series R
  Preferred Shares duly called for the purpose and at which a quorum is present.</font></P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.10.6</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B><B><I>Purchase
  for Cancellation</I></B></FONT> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The Corporation may at any time purchase for cancellation the whole or
  any part of the Series R Preferred Shares outstanding from time to time, in
  the open market through or from an investment dealer or any firm holding membership
  on a recognized stock exchange, or by private agreement or otherwise, at the
  lowest price or prices at which in the opinion of the Board of Directors such
  shares are obtainable plus in each case all accrued and unpaid dividends and
  costs of purchase.</font></P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.10.7</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B><B><I>Voting
  Rights</I></B></FONT> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;If the Corporation fails to pay eight (8) dividends on the Series R Preferred
  Shares, whether or not consecutive, the holders of the Series R Preferred Shares
  shall have the right to receive notice of, and to attend, each meeting of shareholders
  of the Corporation which takes place more than 60 days after the date on which
  the failure first occurs (other than a separate meeting of the holders of another
  series or class of shares) and such holders shall also have the right, at any
  such meeting, to one (1) vote for each Series R Preferred Shares held, until
  all such arrears of dividends on the Series R Preferred Shares shall have been
  paid whereupon such rights shall cease unless and until the same default shall
  again arise under the provisions of this section 3.10.7.</font> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;In connection with any actions to be taken by the Corporation which require
  the approval of the holders of the Series R Preferred Shares voting as a series
  or as part of a class, each Series R Preferred Share shall entitle the holder
  thereof to one (1) vote for such purpose.</font> </P>
<P ALIGN="justify">&nbsp;</P>
<hr>
<p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;49&#150;</font></p>
<P ALIGN="justify">&nbsp;</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I> 3.10.8</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B><B><I>Issue
  of Additional Preferred Shares</I></B></FONT> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The Corporation may issue additional series of First Preferred Shares
  ranking on a parity with the Series R Preferred Shares without the authorization
  of the holders of the Series R Preferred Shares.</font></P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.10.9</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B><B><I>Modifications</I></B></FONT>
</P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The provisions attaching to the Series R Preferred Shares as a series
  may be repealed, altered, modified or amended from time to time with such approval
  as may then be required by the <I>Canada Business Corporations Act</I>, any
  such approval to be given in accordance with section 3.10.10.</font> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;None of the series provisions of the articles of the Corporation relating
  to the Series R Preferred Shares shall be amended or otherwise changed unless,
  contemporaneously therewith, the series provisions, if any, relating to the
  Series Q Preferred Shares are, to the extent deemed required by the Corporation,
  amended or otherwise changed in the same proportion and in the same manner.</font></P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.10.10</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B><B><I>Approval
  of Holders of Series R Preferred Shares</I></B></FONT> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;Any approval given by the holders of the Series R Preferred Shares shall
  be deemed to have been sufficiently given if it shall have been given by the
  holders of Series R Preferred Shares as provided in the provisions attaching
  to the First Preferred Shares as a class, which provisions shall apply <I>mutatis
  mutandis</I>.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.10.11</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B><B><I>Tax
  Election</I></B></FONT> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The Corporation shall elect, in the manner and within the time provided
  under the <I>Income Tax Act </I>(Canada), under subsection 191.2(1) of the said
  Act, or any successor or replacement provision of similar effect, and take all
  other necessary action under such Act, to pay tax at a rate such that no holder
  of the Series R Preferred Shares will be required to pay tax on dividends received
  on the Series R Preferred Shares under section 187.2 of Part IV.I of such Act
  or any successor or replacement provision of similar effect.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.10.12</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B><B><I>Mail
  Service Interruption</I></B></FONT> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;If the Corporation determines that mail service is, or is threatened to
  be, interrupted at the time when the Corporation is required or elects to give
  any notice hereunder by mail, or is required to send any cheque or any share
  certificate to the holder of any Series R Preferred Shares, whether in connection
  with the redemption or conversion of such share or otherwise, the Corporation
  may, notwithstanding the provisions hereof:</font></P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif"></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif"></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif">give
  such notice by telex, telecopier or telegraph communication or by means of publication
  once in each of two successive weeks in a newspaper of general circulation published
  or distributed in Montr&eacute;al and Toronto and such notice shall be deemed
  to have been given on the date on which such telex, telecopier or telegraph
  communication was given or on the date on which the first publication has taken
  place; and</FONT></P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif"></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif"></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif">fulfill
  the requirement to send such cheque or such share certificate by arranging for
  delivery thereof to the principal office of the Corporation in Montr&eacute;al,
  and such cheque and/or certificate shall be deemed to have been sent on the
  date on which notice of such arrangement shall have been given as provided in
  (a) above, provided that as soon as the Corporation determines that mail service
  is no longer interrupted or threatened to be interrupted such cheque or share
  certificate, if not theretofore delivered to such holder, shall be sent by ordinary
  unregistered first class prepaid mail to the registered address of each person
  who at the date of mailing is a registered holder and who is entitled to receive
  such cheque or share certificate, or in the event of the address of any such
  holder not so appearing, then at the last address of such holder known to the
  Corporation.</FONT></P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.10.13</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B><B><I>Definitions</I></B></FONT></P>
<div align="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;In the provisions herein contained attaching to the Series R Preferred
  Shares :</font> </div>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif"></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif"></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif">&#147;accrued
  and unpaid dividends&#148; means the aggregate of : (i) all unpaid dividends
  on the Series R Preferred Shares for any quarterly period; and (ii) the amount
  calculated as though dividends on each Series R </FONT></P>
<P ALIGN="justify">&nbsp;</P>
<hr>
<p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;50&#150;</font></p>
<P ALIGN="justify">&nbsp;</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">Preferred
  Share had been accruing on a day-to-day basis from and including the date on
  which the last quarterly dividend was payable to but excluding the date to which
  the computation of accrued dividends is to be made; and</FONT></P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif"></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif"></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif">&#147;in
  priority to&#148;, &#147;on a parity with&#148; and &#147;junior to&#148; have
  reference to the order of priority in payment of dividends and in the distribution
  of assets in the event of any liquidation, dissolution or winding up of the
  Corporation, whether voluntary or involuntary, or other distribution of the
  assets of the Corporation among its shareholders for the purpose of winding
  up its affairs.</FONT> </P>
<div align="justify"><b><i><font size="2" face="Arial, Helvetica, sans-serif">3</font></i></b><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>.10.14</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B><B><I>Interpretation</I></B></FONT></div>
<div align="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</font><font size="2" face="Arial, Helvetica, sans-serif">In the event
  that any date on which any dividend on the Series R Preferred Shares is payable
  by the Corporation, or any date on or by which any other action is required
  to be taken by the Corporation or the holders of Series R Preferred Shares hereunder,
  is not a business day (as hereinafter defined), then such dividend shall be
  payable, or such other action shall be required to be taken, on or by the next
  succeeding day that is a business day. A &#147;business day&#148; shall be a
  day other than a Saturday, a Sunday or any other day that is treated as a holiday
  at the Corporation&#146;s office in Canada.</font></div>
<P ALIGN="justify">&nbsp;</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B>3.11</B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B><B>Series
  S Preferred Shares</B></FONT> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
  Series S Preferred Shares shall, in addition to the rights, privileges, restrictions
  and conditions attaching to the First Preferred Shares as a class, carry and
  be subject to the following rights, privileges, restrictions and conditions:</font></P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.11.1</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B><B><I>Dividend</I></B></FONT></P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.11.1.1</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B><B><I>Definitions</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;For the purposes hereof, the following capitalized terms shall have the
  following meanings, unless the context otherwise requires:</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif"></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif"></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif">&#147;Adjustment
  Factor&#148; for any Month means the percentage per annum, positive or negative,
  based on the Calculated Trading Price of the Series S Preferred Shares for the
  preceding Month, determined in accordance with the following table:<br>
  </FONT></P>
<table width="75%" border="0" align="center">
  <tr>
    <td width="60%">&nbsp;</td>
    <td width="40%"><div align="center"><font size="2" face="Arial, Helvetica, sans-serif"><u>The
        Adjustment Factor as a</u></font></div></td>
  </tr>
  <tr>
    <td width="60%"><div align="center"><font size="2" face="Arial, Helvetica, sans-serif"><u>If
        Calculated Trading Price is:</u></font></div></td>
    <td width="40%"><div align="center"><font size="2" face="Arial, Helvetica, sans-serif"><u>Percentage
        of Prime Shall Be</u></font></div></td>
  </tr>
  <tr>
    <td width="60%">&nbsp;</td>
    <td width="40%"><div align="center"></div></td>
  </tr>
  <tr>
    <td width="60%"><font size="2" face="Arial, Helvetica, sans-serif">$25.50
      or more</font></td>
    <td width="40%"><div align="center"><font size="2" face="Arial, Helvetica, sans-serif">
        -4.00%</font></div></td>
  </tr>
  <tr>
    <td width="60%"><font size="2" face="Arial, Helvetica, sans-serif">$25.375
      and less than $25.50</font></td>
    <td width="40%"><div align="center"><font size="2" face="Arial, Helvetica, sans-serif">-3.00%</font></div></td>
  </tr>
  <tr>
    <td width="60%"><font size="2" face="Arial, Helvetica, sans-serif">$25.25
      and less than $25.375</font></td>
    <td width="40%"><div align="center"><font size="2" face="Arial, Helvetica, sans-serif">-2.00%
        </font></div></td>
  </tr>
  <tr>
    <td width="60%"><font size="2" face="Arial, Helvetica, sans-serif">$25.125
      and less than $25.25</font></td>
    <td width="40%"><div align="center"><font size="2" face="Arial, Helvetica, sans-serif">-1.00%
        </font></div></td>
  </tr>
  <tr>
    <td width="60%"><font size="2" face="Arial, Helvetica, sans-serif">Greater
      than $24.875 and less than $25.125</font></td>
    <td width="40%"><div align="center"><font size="2" face="Arial, Helvetica, sans-serif">nil
        </font></div></td>
  </tr>
  <tr>
    <td width="60%"><font size="2" face="Arial, Helvetica, sans-serif">Greater
      than $24.75 to $24.875</font></td>
    <td width="40%"><div align="center"><font size="2" face="Arial, Helvetica, sans-serif">1.00%
        </font></div></td>
  </tr>
  <tr>
    <td width="60%"><font size="2" face="Arial, Helvetica, sans-serif">Greater
      than $24.625 to $24.75</font></td>
    <td width="40%"><div align="center"><font size="2" face="Arial, Helvetica, sans-serif">
        2.00%</font></div></td>
  </tr>
  <tr>
    <td width="60%"><font size="2" face="Arial, Helvetica, sans-serif">Greater
      than $24.50 to $24.625</font></td>
    <td width="40%"><div align="center"><font size="2" face="Arial, Helvetica, sans-serif">3.00%</font></div></td>
  </tr>
  <tr>
    <td><font size="2" face="Arial, Helvetica, sans-serif">$24.50 or less </font></td>
    <td><div align="center"><font size="2" face="Arial, Helvetica, sans-serif">4.00%</font></div></td>
  </tr>
</table>
<P ALIGN="center"><br>
  <font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
  maximum Adjustment Factor for any Month will be &plusmn;4.00%.</font> </P>
<div align="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</font><font size="2" face="Arial, Helvetica, sans-serif">If in any Month
  there is no trade on the Exchange of Series S Preferred Shares of a board lot
  or more, the Adjustment Factor for the following Month shall be nil; </font></div>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</font><FONT size="2" FACE="Arial, Helvetica, sans-serif"></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif"></FONT><font size="2" face="Arial, Helvetica, sans-serif">&#147;Annual
  Dividend Rate&#148; means the Annual Fixed Dividend Rate or the Annual Floating
  Dividend Rate, whichever is provided by this section 3.11.1 to be applicable
  at the relevant time;</font> </P>
<div align="justify">
  <p><FONT size="2" FACE="Arial, Helvetica, sans-serif">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    &nbsp;</FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif"></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif"></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif">&#147;Annual
    Fixed Dividend Rate&#148; means 5.28% per annum;</FONT></p>
  <p><font size="2" face="Arial, Helvetica, sans-serif">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    &nbsp;</font><FONT size="2" FACE="Arial, Helvetica, sans-serif"></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif"></FONT><font size="2" face="Arial, Helvetica, sans-serif">"Annual
    Floating Dividend Rate" means for any Month the rate of interest expressed
    as a</font> </p>
</div>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"></FONT></P>
<div align="justify">
  <hr>
  <p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;51&#150;</font></p>
  <p>&nbsp;</p>
  <p><FONT size="2" FACE="Arial, Helvetica, sans-serif"> percentage per annum
    (rounded to the nearest one-thousandth (1/1000) of one percent (1%)) which
    is equal to Prime multiplied by the Designated Percentage for such Month;</FONT></p>
</div>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif"></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif">&#147;Banks&#148;
  means any two of Royal Bank of Canada, Bank of Montreal, The Bank of Nova Scotia,
  The Toronto-Dominion Bank and Canadian Imperial Bank of Commerce and any successor
  of any of them as may be designated from time to time by the Board of Directors
  by notice given to the transfer agent for the Series S Preferred Shares, such
  notice to take effect on, and to be given at least two (2) business days prior
  to, the commencement of a particular Dividend Period and, until such notice
  is first given, means Royal Bank of Canada and The Toronto-Dominion Bank;</FONT></P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif"></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif">&#147;Calculated
  Trading Price&#148; for any Month means:</FONT></P>
<div align="justify">
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(i)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="LEFT"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          the aggregate of the Daily Adjusted Trading Value for all Trading Days
          in such Month;</FONT> </P></TD>
    </TR>
  </TABLE>
  <p><font size="2" face="Arial, Helvetica, sans-serif"> &nbsp;&nbsp;&nbsp;&nbsp;divided
    by</font></p>
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(ii)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="LEFT"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          the aggregate of the Daily Trading Volume for all Trading Days in such
          Month;</FONT> </P></TD>
    </TR>
  </TABLE>
  <font size="2" face="Arial, Helvetica, sans-serif"> </font> </div>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(g)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif"></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif">&#147;Daily
  Accrued Dividend Deduction&#148; for any Trading Day means:</FONT> <font size="2" face="Arial, Helvetica, sans-serif">
  </font> </P>
<div align="justify">
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(i)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          the product obtained by multiplying the dividend accrued on a Series
          S Preferred Share in respect of the Month in which the Trading Day falls
          by the number of days elapsed from but excluding the day prior to the
          Ex-Dividend Date immediately preceding such Trading Day to and including
          such Trading Day (or if such Trading Day is an Ex-Dividend Date, by
          one (1) day);</FONT> </P></TD>
    </TR>
  </TABLE>
  <p><font size="2" face="Arial, Helvetica, sans-serif"> &nbsp;&nbsp;&nbsp;&nbsp;divided
    by</font></p>
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(ii)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="LEFT"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          the number of days from and including such Ex-Dividend Date to but excluding
          the following Ex-Dividend Date;</FONT> </P></TD>
    </TR>
  </TABLE>
</div>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(h)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif"></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif">&#147;Daily
  Adjusted Trading Value&#148; for any Trading Day means:</FONT> </P>
<div align="justify">
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(i)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          the aggregate dollar value of all transactions of Series S Preferred
          Shares on the Exchange (made on the basis of the normal settlement period
          in effect on the Exchange) occurring during such Trading Day;</FONT>
        </P></TD>
    </TR>
  </TABLE>
</div>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;less</font></P>
<div align="justify">
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(ii)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="LEFT"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          the Daily Trading Volume for such Trading Day multiplied by the Daily
          Accrued Dividend Deduction for such Trading Day;</FONT> </P></TD>
    </TR>
  </TABLE>
</div>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif"></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif">&#147;Daily
  Trading Volume&#148; for any Trading Day means the aggregate number of Series
  S Preferred Shares traded in all transactions (made on the basis of the normal
  settlement period in effect on the Exchange) occurring during such Trading Day
  on the Exchange;</FONT></P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(j)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif"></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif">&#147;Deemed
  Record Date&#148; means the last Trading Day of a Month with respect to which
  no dividend is declared by the Board of Directors;</FONT></P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(k)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif"></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif">&#147;Designated
  Percentage&#148; for the Month of November, 2001 means eighty percent (80%)
  and for each Month thereafter means the Adjustment Factor for such Month plus
  the Designated Percentage for the preceding Month, provided that the Annual
  Floating Dividend Rate for any Month shall in no event be less than 50% of Prime
  for such Month or more than 100% of Prime for such Month;</FONT> </P>
<div align="justify">
  <p><font size="2" face="Arial, Helvetica, sans-serif"> (l)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    &nbsp;</font><FONT size="2" FACE="Arial, Helvetica, sans-serif"></FONT><font size="2" face="Arial, Helvetica, sans-serif">
    &#147;Dividend Payment Date&#148; means:</font></p>
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(i)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="LEFT"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          during the Fixed Rate Period, the first day of each of February, May,
          August and </FONT></P></TD>
    </TR>
  </TABLE>
  <p>&nbsp;</p>
  <hr>
  <p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;52&#150;</font></p>
  <p><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</font></p>
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%">&nbsp;</TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="LEFT"><font size="2" face="Arial, Helvetica, sans-serif">November
          in each year; and</font><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          </FONT></P></TD>
    </TR>
  </TABLE>
  <br>
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(ii)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="LEFT"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          during the Floating Rate Period, the 12th day of each Month commencing
          with the Month of December, 2001;</FONT> </P></TD>
    </TR>
  </TABLE>
  <font size="2" face="Arial, Helvetica, sans-serif"><BR>
  &nbsp;&nbsp;&nbsp;and the first Dividend Payment Date shall be February 1, 1997;</font>
</div>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(m)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif"></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif">&#147;Dividend
  Period&#148; means:</FONT></P>
<div align="justify">
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(i)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          during the Fixed Rate Period, the period from and including a Dividend
          Payment Date to but not including the next succeeding Dividend Payment
          Date; and</FONT> </P></TD>
    </TR>
  </TABLE>
  <font size="2" face="Arial, Helvetica, sans-serif"><BR>
  </font>
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(ii)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="LEFT"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          during the Floating Rate Period, a Month;</FONT> </P></TD>
    </TR>
  </TABLE>
  <p><font size="2" face="Arial, Helvetica, sans-serif"> </font><FONT size="2" FACE="Arial, Helvetica, sans-serif">(n)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    &nbsp;</FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif"></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif">&#147;Ex-Dividend
    Date&#148; means:</FONT></p>
</div>
<div align="justify">
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(i)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          the Trading Day which, under the rules or normal practices of the Exchange,
          is designated or recognized as the ex-dividend date relative to any
          dividend record date for the Series S Preferred Shares; or</FONT> </P></TD>
    </TR>
  </TABLE>
  <font size="2" face="Arial, Helvetica, sans-serif"><BR>
  </font>
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(ii)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          if the Board of Directors fails to declare a dividend in respect of
          a Month, the Trading Day which, under the rules or normal practices
          of the Exchange, would be recognized as the Ex-Dividend Date relative
          to any Deemed Record Date for the Series S Preferred Shares;</FONT>
        </P></TD>
    </TR>
  </TABLE>
</div>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(o)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif"></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif">&#147;Exchange&#148;
  means The Montreal Exchange or The Toronto Stock Exchange or such other exchange
  or trading market in Canada as may be determined from time to time by the Corporation
  as being the principal trading market for the Series S Preferred Shares;</FONT>
</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(p)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif"></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif">&#147;Fixed
  Rate Period&#148; means the period commencing with the date of issue of the
  Series S Preferred Shares and ending on and including October 31, 2001;</FONT>
</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(q)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif"></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif">&#147;Floating
  Rate Period&#148; means the period commencing immediately after the end of the
  Fixed Rate Period and continuing for so long as any of the Series S Preferred
  Shares shall be outstanding;</FONT></P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(r)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif"></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif">&#147;Month&#148;
  means a calendar month;</FONT></P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(s)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif"></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif">&#147;Prime&#148;
  for a Month means the average (rounded to the nearest one-thousandth (1/1000)
  of one percent (1%)) of the Prime Rate in effect on each day of such Month;</FONT></P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(t)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif"></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif">&#147;Prime
  Rate&#148; for any day means the average (rounded to the nearest one-thousandth
  (1/1000) of one percent (1%)) of the annual rates of interest announced from
  time to time by the Banks as the reference rates then in effect for such day
  for determining interest rates on Canadian dollar commercial loans made to prime
  commercial borrowers in Canada. If one of the Banks does not have such an interest
  rate in effect on a day, the Prime Rate for such day shall be such interest
  rate in effect for that day of the other Bank; if both Banks do not have such
  an interest rate in effect on a day, the Prime Rate for that day shall be equal
  to one and a half percent (1.5%) per annum plus the average yield expressed
  as a percentage per annum on 91-day Government of Canada Treasury Bills, as
  reported by the Bank of Canada, for the weekly tender for the week immediately
  preceding that day; and if both of such Banks do not have such an interest rate
  in effect on a day and the Bank of Canada does not report such average yield
  per annum, the Prime Rate for that day shall be equal to the Prime Rate for
  the next preceding day. The Prime Rate and Prime shall be determined from time
  to time by an officer of the Corporation from quotations supplied by the Banks
  or otherwise publicly available. Such determination shall, in the absence of
  manifest error, be final and binding upon the Corporation and upon all holders
  of Series S Preferred Shares;</FONT></P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(u)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif"></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif">&#147;Trading
  Day&#148; means, if the Exchange is a stock exchange in Canada, a day on which
  the Exchange is open for trading or, in any other case, a business day.</FONT></P>
<P ALIGN="justify">&nbsp;</P>
<hr>
<p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;53&#150;</font></p>
<P ALIGN="justify">&nbsp;</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.11.1.2</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>General</I></B></FONT>
</P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The holders of the Series S Preferred Shares shall be entitled to receive
  cumulative preferred cash dividends, as and when declared by the Board of Directors,
  out of moneys of the Corporation properly applicable to the payment of dividends,
  at the rates and times herein provided. Dividends on the Series S Preferred
  Shares shall accrue on a daily basis from and including the date of issue thereof,
  and shall be payable quarterly during the Fixed Rate Period and monthly during
  the Floating Rate Period. Payment of the dividend on the Series S Preferred
  Shares payable on any Dividend Payment Date (less any tax required to be deducted)
  shall be made by cheque at par in lawful money of Canada payable at any branch
  in Canada of the Corporation&#146;s bankers.</font> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;Dividends declared on the Series S Preferred Shares shall (except in case
  of redemption in which case payment of dividends shall be made on surrender
  of the certificate representing the Series S Preferred Shares to be redeemed)
  be paid by posting in a postage paid envelope addressed to each holder of the
  Series S Preferred Shares at the last address of such holder as it appears on
  the securities register of the Corporation or, in the event of the address of
  any holder not so appearing, then to the address of such holder last known to
  the Corporation, or, in the case of joint holders, to the address of that one
  whose name appears first in the securities register of the Corporation as one
  of such joint holders, a cheque for such dividends (less any tax required to
  be deducted) payable to the order of such holder or, in the case of joint holders,
  to the order of all such holders failing written instructions from them to the
  contrary. Notwithstanding the foregoing, any dividend cheque may be delivered
  by the Corporation to a holder of Series S Preferred Shares at his address as
  aforesaid. The posting or delivery of such cheque shall be deemed to be payment
  and shall satisfy and discharge all liabilities for the payment of such dividends
  to the extent of the sum represented thereby (plus the amount of any tax required
  to be deducted as aforesaid) unless such cheque is not paid on due presentation.</font>
</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.11.1.3</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Fixed
  Rate Period</I></B></FONT> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;During the Fixed Rate Period, the dividends in respect of the Series S
  Preferred Shares shall be payable quarterly at the Annual Fixed Dividend Rate.
  Accordingly, on each Dividend Payment Date during the Fixed Rate Period, other
  than February 1, 1997, but including November 1, 2001, the dividend payable
  shall be $0.33 per Series S Preferred Share. The amount of the first quarterly
  dividend payable on each Series S Preferred Share on February 1, 1997, shall
  be $0.3725 per share.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.11.1.4</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Floating
  Rate Period</I></B></FONT> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;During the Floating Rate Period, the dividends in respect of the Series
  S Preferred Shares shall be payable monthly at the Annual Floating Dividend
  Rate as calculated from time to time. Accordingly, on each Dividend Payment
  Date during the Floating Rate Period, the dividend payable on the Series S Preferred
  Shares shall be that amount (rounded to the nearest one-thousandth (1/1000)
  of one cent) obtained by multiplying $25.00 by the Annual Floating Dividend
  Rate applicable to the Month preceding such Dividend Payment Date and by dividing
  the product by twelve. The record date for the purpose of determining holders
  of Series S Preferred Shares entitled to receive dividends on each Dividend
  Payment Date during the Floating Rate Period shall be the last Trading Day of
  the next preceding Month. In the event of the redemption or purchase of the
  Series S Preferred Shares during the Floating Rate Period or the distribution
  of the assets of the Corporation during the Floating Rate Period as contemplated
  by section 3.11.2 hereof, the amount of the dividend which has accrued during
  the Month in which such redemption, purchase or distribution occurs shall be
  the amount (rounded to the nearest one-thousandth (1/1000) of one cent) calculated
  by multiplying:</font> </P>
<div align="justify">
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(i)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          the amount obtained by multiplying $25.00 by one-twelfth (1/12) of the
          Annual Floating Dividend Rate applicable to the</FONT> <font size="2" face="Arial, Helvetica, sans-serif">preceding
          Month; by</font></P></TD>
    </TR>
  </TABLE>
</div>
<div align="justify"><br>
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(ii)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          a fraction of which the numerator is the number of days elapsed in the
          Month in which such redemption, purchase or distribution occurs up to
          but not including the date of such event and the denominator of which
          is the number of days in that Month.</FONT> </P></TD>
    </TR>
  </TABLE>
</div>
<P ALIGN="justify">&nbsp;</P>
<hr>
<p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;54&#150;</font></p>
<P ALIGN="justify">&nbsp;</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.11.1.5</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Calculation
  of Designated Percentage</I></B></FONT> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The Corporation shall as promptly as practicable calculate the Designated
  Percentage for each Month and give notice thereof to all stock exchanges in
  Canada on which the Series S Preferred Shares are listed for trading or if the
  Series S Preferred Shares are not listed on a stock exchange in Canada to the
  Investment Dealers Association of Canada.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.11.2</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Rights
  on Liquidation</I></B></FONT> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;In the event of the liquidation, dissolution or winding up of the Corporation
  or any other distribution of assets of the Corporation for the purpose of winding
  up its affairs, the holders of the Series S Preferred Shares shall be entitled
  to receive $25.00 per Series S Preferred Share together with all dividends accrued
  and unpaid up to but excluding the date of payment or distribution, before any
  amounts shall be paid or any assets of the Corporation distributed to the holders
  of the Common Shares of the Corporation or any other shares ranking junior to
  the Series S Preferred Shares. Upon payment of such amounts, the holders of
  the Series S Preferred Shares shall not be entitled to share in any further
  distribution of the property or assets of the Corporation.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.11.3</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Redemption
  at the Option of the Corporation</I></B></FONT> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The Corporation may not redeem any of the Series S Preferred Shares prior
  to November 1, 2001. Subject to applicable law and section 3.11.5 hereof, upon
  giving notice as hereinafter provided, the Corporation may: i) on November 1,
  2001 redeem all, but not less than all, of the outstanding Series S Preferred
  Shares, on payment of $25.00 for each such share to be redeemed; and ii) subsequent
  to November 1, 2001 redeem at any time all, but not less than all, of the outstanding
  Series S Preferred Shares, on payment of $25.50 for each such share to be redeemed,
  in each case, together with accrued and unpaid dividends up to but excluding
  the date fixed for redemption, the whole constituting the redemption price.</font>
</P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The Corporation shall give notice in writing not less than 45 days nor
  more than 60 days prior to the date on which the redemption is to take place
  to each person who at the date of giving such notice is the holder of Series
  S Preferred Shares to be redeemed of the intention of the Corporation to redeem
  such shares; such notice shall be given by posting the same in a postage paid
  envelope addressed to each holder of Series S Preferred Shares to be redeemed
  at the last address of such holder as it appears on the securities register
  of the Corporation or, in the event of the address of any holder not so appearing,
  then to the address of such holder last known to the Corporation, provided that
  the accidental failure or omission to give any such notices as aforesaid to
  one or more of such holders shall not affect the validity of the redemption
  as to the other holders of the Series S Preferred Shares to be redeemed. Such
  notice shall set out the number of such Series S Preferred Shares held by the
  person to whom it is addressed which are to be redeemed and the redemption price
  and shall also set out the date on which the redemption is to take place, and
  on and after the date so specified for redemption the Corporation shall pay
  or cause to be paid to the holders of such Series S Preferred Shares to be redeemed
  the redemption price on presentation and surrender at any place or places within
  Canada designated by such notice, of the certificate or certificates for such
  Series S Preferred Shares so called for redemption; such payment shall be made
  by cheque payable at par at any branch in Canada of the Corporation&#146;s bankers;
  from and after the date specified in any such notice, the Series S Preferred
  Shares called for redemption shall cease to be entitled to dividends and the
  holders thereof shall not be entitled to exercise any of the rights of shareholders
  in respect thereof unless payment of the redemption price shall not be duly
  made by the Corporation; at any time after notice of redemption is given as
  aforesaid, the Corporation shall have the right to deposit the redemption price
  of any or all Series S Preferred Shares called for redemption with any chartered
  bank or banks or with any trust company or trust companies in Canada named in
  the notice of redemption to the credit of a special account or accounts in trust
  for the respective holders of such shares, to be paid to them respectively upon
  surrender to such bank or banks or trust company or trust companies of the certificate
  or certificates representing the same, and upon such deposit or deposits being
  made, such shares shall be redeemed on the redemption date specified in the
  notice of redemption; after the Corporation has made a deposit as aforesaid
  with respect to any shares, the holders thereof shall not, from and after the
  redemption date, be entitled to exercise any of the rights of shareholders in
  respect thereof and the rights of the holders thereof shall be limited to receiving
  the proportion of the amounts so deposited applicable to such shares, without
  interest; any interest allowed on such deposit shall belong to the Corporation.</font>
</P>
<P ALIGN="justify">&nbsp;</P>
<hr>
<p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;55&#150;</font></p>
<P ALIGN="justify">&nbsp;</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.11.4</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Conversion
  of Series S Preferred Shares</I></B></FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.11.4.1</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Conversion
  at the Option of the Holder</I></B></FONT> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;Holders of Series S Preferred Shares shall have the right, at their option,
  on November 1, 2001 and on November 1 in every fifth year thereafter (a &#147;Conversion
  Date&#148;), to convert, subject to the terms and conditions hereof, all or
  any Series S Preferred Shares registered in their name into Series T Preferred
  Shares of the Corporation on the basis of one (1) Series T Preferred Share for
  each Series S Preferred Share. The Corporation shall give notice in writing
  to the then holders of the Series S Preferred Shares of the Selected Percentage
  Rate (as defined in section 3.12.1.1 of the articles of the Corporation relating
  to the Series T Preferred Shares) determined by the Board of Directors to be
  applicable for the next succeeding Fixed Dividend Rate Period (as defined in
  section 3.12.1.1 of the articles of the Corporation relating to the Series T
  Preferred Shares) and of the conversion right provided for herein; such notice
  shall be given by posting the same in a postage paid envelope addressed to each
  holder of the Series S Preferred Shares at the last address of such holder as
  it appears on the securities register of the Corporation or, in the event of
  the address of any holder not so appearing, then to the address of such holder
  last known to the Corporation. Such notice shall set out the Conversion Date
  and shall be given not less than 45 days nor more than 60 days prior to the
  applicable Conversion Date.</font> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;If the Corporation gives notice as provided in section 3.11.3 to the holders
  of the Series S Preferred Shares of the redemption of all the Series S Preferred
  Shares, the Corporation shall not be required to give notice as provided in
  this section 3.11.4.1 to the holders of the Series S Preferred Shares of a Selected
  Percentage Rate (as defined in section 3.12.1.1 of the articles of the Corporation
  relating to the Series T Preferred Shares) for the Series T Preferred Shares
  or of the conversion right and the right of any holder of Series S Preferred
  Shares to convert such Series S Preferred Shares as herein provided shall cease
  and terminate in that event.</font> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;Holders of Series S Preferred Shares shall not be entitled to convert
  their shares into Series T Preferred Shares if, following the close of business
  on the 14th day preceding a Conversion Date, the Corporation determines that
  there would remain outstanding on the Conversion Date less than 1,000,000 Series
  T Preferred Shares, after taking into account all Series S Preferred Shares
  tendered for conversion into Series T Preferred Shares and all Series T Preferred
  Shares tendered for conversion into Series S Preferred Shares. The Corporation
  shall give notice in writing thereof, in accordance with the provisions of the
  first paragraph of this section 3.11.4.1, to all affected holders of Series
  S Preferred Shares at least seven (7) days prior to the applicable Conversion
  Date and will issue and deliver, or cause to be delivered, prior to such Conversion
  Date, at the expense of the Corporation, to such holders of Series S Preferred
  Shares, who have surrendered for conversion any certificate or certificates
  representing Series S Preferred Shares, new certificates representing the Series
  S Preferred Shares represented by any certificate or certificates surrendered
  as aforesaid.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.11.4.2</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Automatic
  Conversion</I></B></FONT> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;If following the close of business on the 14th day preceding a Conversion
  Date the Corporation determines that there would remain outstanding on the Conversion
  Date less than 1,000,000 Series S Preferred Shares after taking into account
  all Series S Preferred Shares tendered for conversion into Series T Preferred
  Shares and all Series T Preferred Shares tendered for conversion into Series
  S Preferred Shares, then, all, but not part, of the remaining outstanding Series
  S Preferred Shares shall automatically be converted into Series T Preferred
  Shares on the basis of one (1) Series T Preferred Share for each Series S Preferred
  Share on the applicable Conversion Date and the Corporation shall give notice
  in writing thereof, in accordance with the provisions of section 3.11.4.1, to
  the holders of such remaining Series S Preferred Shares at least seven (7) days
  prior to the Conversion Date.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.11.4.3</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Manner
  of Exercise of Conversion Privilege</I></B></FONT> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The conversion of Series S Preferred Shares may be effected by surrender
  of the certificate or certificates representing the same not earlier than 45
  days prior to a Conversion Date but not later than the close of business on
  the 14th day preceding a Conversion Date during usual business hours at any
  office of any transfer agent of the Corporation at which the Series S Preferred
  Shares are transferable accompanied by: i) payment or evidence of payment of
  the tax (if any) payable as provided in this section 3.11.4.3; and ii) a written
  instrument of surrender in form satisfactory to the Corporation duly executed
  by the holder, or his attorney duly authorized </font></P>
<P ALIGN="justify">&nbsp;</P>
<hr>
<p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;56&#150;</font></p>
<P ALIGN="justify">&nbsp;</P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">in writing,
  in which instrument such holder may also elect to convert part only of the Series
  S Preferred Shares represented by such certificate or certificates not theretofore
  called for redemption in which event the Corporation shall issue and deliver
  or cause to be delivered to such holder, at the expense of the Corporation,
  a new certificate representing the Series S Preferred Shares represented by
  such certificate or certificates which have not been converted.</font> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;In the event the Corporation is required to convert all remaining outstanding
  Series S Preferred Shares into Series T Preferred Shares on the applicable Conversion
  Date as provided for in section 3.11.4.2, the Series S Preferred Shares, in
  respect of which the holders have not previously elected to convert, shall be
  converted on the Conversion Date into Series T Preferred Shares and the holders
  thereof shall be deemed to be holders of Series T Preferred Shares at the close
  of business on the Conversion Date and shall be entitled, upon surrender during
  usual business hours at any office of any transfer agent of the Corporation
  at which the Series S Preferred Shares were transferable of the certificate
  or certificates representing Series S Preferred Shares not previously surrendered
  for conversion, to receive a certificate or certificates representing the same
  number of Series T Preferred Shares in the manner and subject to the terms and
  provisions as provided in this section 3.11.4.3.</font> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;As promptly as practicable after the Conversion Date, the Corporation
  shall issue and deliver, or cause to be delivered to or upon the written order
  of the holder of the Series S Preferred Shares so surrendered, a certificate
  or certificates, issued in the name of, or in such name or names as may be directed
  by, such holder representing the number of fully-paid and non-assessable Series
  T Preferred Shares and the number of remaining Series S Preferred Shares, if
  any, to which such holder is entitled. Such conversion shall be deemed to have
  been made at the close of business on the Conversion Date, so that the rights
  of the holder of such Series S Preferred Shares as the holder thereof shall
  cease at such time and the person or persons entitled to receive Series T Preferred
  Shares upon such conversion shall be treated for all purposes as having become
  the holder or holders of record of such Series T Preferred Shares at such time.</font>
</P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The holder of any Series S Preferred Share on the record date for any
  dividend declared payable on such share shall be entitled to such dividend notwithstanding
  that such share is converted into a Series T Preferred Share after such record
  date and on or before the date of the payment of such dividend.</font> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The issuance of certificates for the Series T Preferred Shares upon the
  conversion of Series S Preferred Shares shall be made without charge to the
  converting holders of Series S Preferred Shares for any fee or tax in respect
  of the issuance of such certificates or the Series T Preferred Shares represented
  thereby; provided, however, that the Corporation shall not be required to pay
  any tax which may be imposed upon the person or persons to whom such Series
  T Preferred Shares are issued in respect of the issuance of such Series T Preferred
  Shares or the certificate therefor or which may be payable in respect of any
  transfer involved in the issuance and delivery of any such certificate in a
  name or names other than that of the holder of the Series S Preferred Shares
  converted, and the Corporation shall not be required to issue or deliver such
  certificate unless the person or persons requesting the issuance thereof shall
  have paid to the Corporation the amount of such tax or shall have established
  to the satisfaction of the Corporation that such tax has been paid.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.11.4.4</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Status
  of Converted Series S Preferred Shares</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;All Series S Preferred Shares converted into Series T Preferred Shares
  on a Conversion Date shall not be cancelled but shall be restored to the status
  of authorized but unissued shares of the Corporation as at the close of business
  on the Conversion Date.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.11.5</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Restrictions
  on Dividends and Retirement of Shares</I></B></FONT> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;Without the approval of the holders of outstanding Series S Preferred
  Shares:</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif"></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif">the
  Corporation shall not declare, pay or set apart for payment any dividends (other
  than stock dividends payable in shares of the Corporation ranking junior to
  the Series S Preferred Shares) on the Common Shares of the Corporation or any
  other shares of the Corporation ranking junior to the Series S Preferred Shares;</FONT>
</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif"></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif">the
  Corporation shall not redeem, purchase or otherwise retire or make any capital
  distribution on or in respect of the Common Shares of the Corporation or any
  other shares of the Corporation ranking junior</FONT></P>
<P ALIGN="justify">&nbsp;</P>
<hr>
<p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;57&#150;</font></p>
<P ALIGN="justify">&nbsp;</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">to the Series
  S Preferred Shares (except out of the net cash proceeds of a substantially concurrent
  issue of shares of the Corporation ranking junior to the Series S Preferred
  Shares);</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif"></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif">the
  Corporation shall not purchase or otherwise retire less than all of the Series
  S Preferred Shares then outstanding; or</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif"></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif">the
  Corporation shall not redeem, purchase or otherwise retire (except in connection
  with the exercise of any retraction privilege or any mandatory redemption obligation
  attaching thereto) any shares of any class or series ranking on a parity with
  the Series S Preferred Shares provided that, for greater certainty, the covenant
  in this clause (d) shall not limit or affect any such action in respect of any
  class of shares ranking in priority to the Series S Preferred Shares;</FONT>
</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">unless,
  in each such case, all cumulative dividends on outstanding Series S Preferred
  Shares accrued up to and including the dividend payable for the last completed
  period for which dividends were payable shall have been declared and paid.</FONT>
</P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;Any approval of the holders of Series S Preferred Shares required to be
  given pursuant to this section 3.11.5 may be given in accordance with the second
  paragraph of section 3.11.7 and section 3.11.10. Notwithstanding the provisions
  of section 3.11.10 hereof, any approval required to be given pursuant to this
  section 3.11.5 shall be required to be given only by the affirmative vote of
  the holders of the majority of the Series S Preferred Shares present or represented
  at a meeting, or adjourned meeting, of the holders of Series S Preferred Shares
  duly called for the purpose and at which a quorum is present.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.11.6</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Purchase
  for Cancellation</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The Corporation may at any time purchase for cancellation the whole or
  any part of the Series S Preferred Shares outstanding from time to time, in
  the open market through or from an investment dealer or any firm holding membership
  on a recognized stock exchange, or by private agreement or otherwise, at the
  lowest price or prices at which in the opinion of the Board of Directors such
  shares are obtainable.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.11.7</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Voting
  Rights</I></B></FONT> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;If the Corporation fails to pay eight (8) dividends on the Series S Preferred
  Shares, whether or not consecutive, the holders of the Series S Preferred Shares
  shall have the right to receive notice of, and to attend, each meeting of shareholders
  of the Corporation which takes place more than 60 days after the date on which
  the failure first occurs (other than a separate meeting of the holders of another
  series or class of shares) and such holders shall also have the right, at any
  such meeting, to one (1) vote for each Series S Preferred Share held, until
  all such arrears of dividends on the Series S Preferred Shares shall have been
  paid whereupon such rights shall cease unless and until the same default shall
  again arise under the provisions of this section 3.11.7.</font> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;In connection with any actions to be taken by the Corporation which require
  the approval of the holders of the Series S Preferred Shares voting as a series
  or as part of a class, each Series S Preferred Share shall entitle the holder
  thereof to one (1) vote for such purpose.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.11.8</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Issue
  of Additional Preferred Shares</I></B></FONT> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The Corporation may issue additional series of First Preferred Shares
  ranking on a parity with the Series S Preferred Shares without the authorization
  of the holders of the Series S Preferred Shares.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.11.9</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Modifications</I></B></FONT>
</P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The provisions attaching to the Series S Preferred Shares as a series
  may be repealed, altered, modified or amended from time to time with such approval
  as may then be required by the <I>Canada Business Corporations Act</I>, any
  such approval to be given in accordance with section 3.11.10.</font> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;None of the series provisions of the articles of the Corporation relating
  to the Series S Preferred Shares shall be amended or otherwise changed unless,
  contemporaneously therewith, the series </font></P>
<P ALIGN="justify">&nbsp;</P>
<hr>
<p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;58&#150;</font></p>
<P ALIGN="justify">&nbsp;</P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">provisions,
  if any, relating to the Series T Preferred Shares are, to the extent deemed
  required by the Corporation, amended or otherwise changed in the same proportion
  and in the same manner.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.11.10</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Approval
  of Holders of Series S Preferred Shares</I></B></FONT> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;Any approval given by the holders of the Series S Preferred Shares shall
  be deemed to have been sufficiently given if it shall have been given by the
  holders of Series S Preferred Shares as provided in the provisions attaching
  to the First Preferred Shares as a class, which provisions shall apply <I>mutatis
  mutandis</I>.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.11.11</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Tax
  Election</I></B></FONT> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The Corporation shall elect, in the manner and within the time provided
  under the <I>Income Tax Act </I>(Canada), under subsection 191.2(1) of the said
  Act, or any successor or replacement provision of similar effect, and take all
  other necessary action under such Act, to pay tax at a rate such that no holder
  of the Series S Preferred Shares will be required to pay tax on dividends received
  on the Series S Preferred Shares under section 187.2 of Part IV.I of such Act
  or any successor or replacement provision of similar effect.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.11.12</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Mail
  Service Interruption</I></B></FONT> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;If the Corporation determines that mail service is, or is threatened to
  be, interrupted at the time when the Corporation is required or elects to give
  any notice hereunder by mail, or is required to send any cheque or any share
  certificate to the holder of any Series S Preferred Shares, whether in connection
  with the redemption or conversion of such share or otherwise, the Corporation
  may, notwithstanding the provisions hereof:</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif"></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif">give
  such notice by telex, telecopier or telegraph communication or by means of publication
  once in each of two successive weeks in a newspaper of general circulation published
  or distributed in Montr&eacute;al and Toronto and such notice shall be deemed
  to have been given on the date on which such telex, telecopier or telegraph
  communication was given or on the date on which the first publication has taken
  place; and</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif"></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif">fulfill
  the requirement to send such cheque or such share certificate by arranging for
  delivery thereof to the principal office of the Corporation in Montr&eacute;al,
  and such cheque and/or certificate shall be deemed to have been sent on the
  date on which notice of such arrangement shall have been given as provided in
  (a) above, provided that as soon as the Corporation determines that mail service
  is no longer interrupted or threatened to be interrupted such cheque or share
  certificate, if not theretofore delivered to such holder, shall be sent by ordinary
  unregistered first class prepaid mail to the registered address of each person
  who at the date of mailing is a registered holder and who is entitled to receive
  such cheque or share certificate, or in the event of the address of any such
  holder not appearing on the securities register of the Corporation, then at
  the last address of such holder known to the Corporation.</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.11.13</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Notice
  of Annual Dividend Rate Applicable to the Series T Preferred Shares</I></B></FONT>
</P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;Within three (3) business days of the determination of the Annual Dividend
  Rate (as defined in section 3.12.1.1 of the articles of the Corporation relating
  to the Series T Preferred Shares) the Corporation shall give notice thereof
  to the holders of the Series S Preferred Shares by publication once in the national
  edition of the Globe and Mail in the English language and once in the City of
  Montr&eacute;al in both the French and English languages in a daily newspaper
  of general circulation in Montr&eacute;al; provided that if any such newspaper
  is not being generally circulated at that time, such notice shall be published
  in another equivalent publication.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.11.14</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Definitions</I></B></FONT>
</P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;In the provisions herein contained attaching to the Series S Preferred
  Shares:</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif"></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif">&#147;accrued
  and unpaid dividends&#148; means: i) during the Fixed Rate Period, the aggregate
  of (A) all unpaid dividends on the Series S Preferred Shares for any Dividend
  Period and (B) the amount calculated as though dividends on each Series S Preferred
  Share had been accruing on a day-to-day basis from and including the date on
  which the last quarterly dividend was payable to but excluding the date to which
  the computation of accrued dividends is to be made; and ii) during the Floating
  Rate Period, the aggregate of (A) all unpaid </FONT></P>
<P ALIGN="justify">&nbsp;</P>
<hr>
<p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;59&#150;</font></p>
<P ALIGN="justify">&nbsp;</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">dividends
  on the Series S Preferred Shares for any Dividend Period and (B) the amount
  calculated as though dividends on each Series S Preferred Share had been accruing
  on a day-to-day basis from and including the first day of the Month immediately
  following the Dividend Period with respect to which the last monthly dividend
  will be or was, as the case may be, payable to but excluding the date to which
  the computation of accrued dividends is to be made; and</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif"></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif">&#147;in
  priority to&#148;, &#147;on a parity with&#148; and &#147;junior to&#148; have
  reference to the order of priority in payment of dividends and in the distribution
  of assets in the event of any liquidation, dissolution or winding up of the
  Corporation, whether voluntary or involuntary, or other distribution of the
  assets of the Corporation among its shareholders for the purpose of winding
  up its affairs.</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.11.15</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Interpretation</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;In the event that any date on which any dividend on the Series S Preferred
  Shares is payable by the Corporation, or any date on or by which any other action
  is required to be taken by the Corporation or the holders of Series S Preferred
  Shares hereunder, is not a business day (as hereinafter defined), then such
  dividend shall be payable, or such other action shall be required to be taken,
  on or by the next succeeding day that is a business day. A &#147;business day&#148;
  shall be a day other than a Saturday, a Sunday or any other day that is treated
  as a holiday at the Corporation&#146;s principal office in Canada.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B>3.12</B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>Series
  T Preferred Shares</B></FONT> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The Series T Preferred Shares shall, in addition to the rights, privileges,
  restrictions and conditions attaching to the First Preferred Shares as a class,
  carry and be subject to the following rights, privileges, restrictions and conditions:</font>
</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.12.1</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Dividend</I></B></FONT>
</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.12.1.1</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Definitions</I></B></FONT>
</P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</font><FONT size="2" FACE="Arial, Helvetica, sans-serif"></FONT><font size="2" face="Arial, Helvetica, sans-serif">For
  the purposes hereof, the following capitalized terms shall have the following
  meanings, unless the context otherwise requires:</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif"></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif">&#147;Annual
  Dividend Rate&#148; means for any Fixed Dividend Rate Period the rate of interest
  expressed as a percentage per annum (rounded to the nearest one-thousandth (1/1000)
  of one percent (1%)) which is equal to the Government of Canada Yield multiplied
  by the Selected Percentage Rate for such Fixed Dividend Rate Period;</FONT>
</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif"></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif">&#147;Dividend
  Payment Date&#148; means the first day of each of February, May, August and
  November in each year;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif"></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif">&#147;Fixed
  Dividend Rate Period&#148; means for the initial Fixed Dividend Rate Period,
  the period commencing on November 1, 2001 and ending on and including October
  31, 2006 and for each succeeding Fixed Dividend Rate Period, the period commencing
  on the day immediately following the end of the immediately preceding Fixed
  Dividend Rate Period and ending on and including October 31 in the fifth year
  immediately thereafter;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif"></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif">&#147;Government
  of Canada Yield&#148; on any date shall mean the average of the yields determined
  by two registered Canadian investment dealers, selected by the Board of Directors,
  as being the yield to maturity on such date compounded semi-annually and calculated
  in accordance with generally accepted financial practice, which a non-callable
  Government of Canada Bond would carry if issued in Canadian dollars in Canada
  at 100% of its principal amount on such date with a term to maturity of five
  years; and</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif"></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif">&#147;Selected
  Percentage Rate&#148; for each Fixed Dividend Rate Period means the rate of
  interest, expressed as a percentage of the Government of Canada Yield, determined
  by the Board of Directors as set forth </FONT></P>
<P ALIGN="justify">&nbsp;</P>
<hr>
<p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;60&#150;</font></p>
<P ALIGN="justify">&nbsp;</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">in the notice
  to the holders of the Series T Preferred Shares given in accordance with the
  provisions of section 3.12.4.1, which rate of interest shall be not less than
  80% of the Government of Canada Yield.</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>2.12.1.2</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>General</I></B></FONT>
</P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The holders of the Series T Preferred Shares shall be entitled to receive
  fixed, cumulative, preferred cash dividends, as and when declared by the Board
  of Directors, out of moneys of the Corporation properly applicable to the payment
  of dividends, in the amount per share per annum determined by multiplying the
  Annual Dividend Rate by $25.00, payable quarterly in respect of each 12 month
  period on the first day of February, May, August and November by cheque at par
  in lawful money of Canada at any branch in Canada of the Corporation&#146;s
  bankers.</font> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;Dividends declared on the Series T Preferred Shares shall (except in case
  of redemption in which case payment of dividends shall be made on surrender
  of the certificate representing the Series T Preferred Shares to be redeemed)
  be paid by posting in a postage paid envelope addressed to each holder of the
  Series T Preferred Shares at the last address of such holder as it appears on
  the securities register of the Corporation or, in the event of the address of
  any holder not so appearing, then to the address of such holder last known to
  the Corporation, or, in the case of joint holders, to the address of that one
  whose name appears first in the securities register of the Corporation as one
  of such joint holders, a cheque for such dividends (less any tax required to
  be deducted) payable to the order of such holder or, in the case of joint holders,
  to the order of all such holders failing written instructions from them to the
  contrary. Notwithstanding the foregoing, any dividend cheque may be delivered
  by the Corporation to a holder of Series T Preferred Shares at his address as
  aforesaid. The posting or delivery of such cheque shall be deemed to be payment
  and shall satisfy and discharge all liabilities for the payment of such dividends
  to the extent of the sum represented thereby (plus the amount of any tax required
  to be deducted as aforesaid) unless such cheque is not paid on due presentation.</font>
</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.12.1.3</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Calculation
  of Annual Dividend Rate</I></B></FONT> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The Corporation shall calculate on the 21st day prior to the first day
  of each Fixed Dividend Rate Period the Annual Dividend Rate for each Fixed Dividend
  Rate Period based upon the Selected Percentage Rate and the Government of Canada
  Yield in effect at 10:00 A.M. (Montr&eacute;al time) on the said 21st day prior
  to the first day of each Fixed Dividend Rate Period and give notice thereof:
  (i) within one (1) business day to all stock exchanges in Canada on which the
  Series T Preferred Shares are listed for trading or if the Series T Preferred
  Shares are not listed on a stock exchange in Canada, to the Investment Dealers
  Association of Canada; and (ii) within three (3) business days to, except in
  relation to the initial Fixed Dividend Rate Period, the holders of the Series
  T Preferred Shares by publication once in the national edition of the Globe
  and Mail in the English language and once in the City of Montr&eacute;al in
  both the French and English languages in a daily newspaper of general circulation
  in Montr&eacute;al; provided that if any such newspaper is not being generally
  circulated at that time, such notice shall be published in another equivalent
  publication.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.12.2</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Rights
  on Liquidation</I></B></FONT> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;In the event of the liquidation, dissolution or winding up of the Corporation
  or any other distribution of assets of the Corporation for the purpose of winding
  up its affairs, the holders of the Series T Preferred Shares shall be entitled
  to receive $25.00 per Series T Preferred Share together with all dividends accrued
  and unpaid up to but excluding the date of payment or distribution, before any
  amounts shall be paid or any assets of the Corporation distributed to the holders
  of the Common Shares of the Corporation or any other shares ranking junior to
  the Series T Preferred Shares. Upon payment of such amounts, the holders of
  the Series T Preferred Shares shall not be entitled to share in any further
  distribution of the property or assets of the Corporation.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.12.3</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Redemption
  at the Option of the Corporation</I></B></FONT> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The Corporation may not redeem any of the Series T Preferred Shares prior
  to November 1, 2006. Subject to applicable law and section 3.12.5 hereof, upon
  giving notice as hereinafter provided, the Corporation may, on November 1, 2006
  or on November 1 in every fifth year thereafter, redeem at any time all, but
  not less than all, the outstanding Series T Preferred Shares on payment of $25.00
  for each such share to be redeemed together with accrued and unpaid dividends
  up to but excluding the date fixed for redemption, the</font></P>
<p>&nbsp;</p>
<hr>
<p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;61&#150;</font></p>
<P ALIGN="justify">&nbsp;</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">whole constituting
  the redemption price.</FONT> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The Corporation shall give notice in writing not less than 45 days nor
  more than 60 days prior to the date on which the redemption is to take place
  to each person who at the date of giving such notice is the holder of Series
  T Preferred Shares to be redeemed of the intention of the Corporation to redeem
  such shares; such notice shall be given by posting the same in a postage paid
  envelope addressed to each holder of Series T Preferred Shares to be redeemed
  at the last address of such holder as it appears on the securities register
  of the Corporation or, in the event of the address of any holder not so appearing,
  then to the address of such holder last known to the Corporation, provided that
  the accidental failure or omission to give any such notices as aforesaid to
  one or more of such holders shall not affect the validity of the redemption
  as to the other holders of the Series T Preferred Shares to be redeemed. Such
  notice shall set out the number of such Series T Preferred Shares held by the
  person to whom it is addressed which are to be redeemed and the redemption price
  and shall also set out the date on which the redemption is to take place, and
  on and after the date so specified for redemption the Corporation shall pay
  or cause to be paid to the holders of such Series T Preferred Shares to be redeemed
  the redemption price on presentation and surrender at any place within Canada
  designated by such notice, of the certificate or certificates for such Series
  T Preferred Shares so called for redemption; such payment shall be made by cheque
  payable at par at any branch in Canada of the Corporation&#146;s bankers; from
  and after the date specified in any such notice, the Series T Preferred Shares
  called for redemption shall cease to be entitled to dividends and the holders
  thereof shall not be entitled to exercise any of the rights of shareholders
  in respect thereof unless payment of the redemption price shall not be duly
  made by the Corporation; at any time after notice of redemption is given as
  aforesaid, the Corporation shall have the right to deposit the redemption price
  of any or all Series T Preferred Shares called for redemption with any chartered
  bank or banks or with any trust company or trust companies in Canada named in
  the notice of redemption to the credit of a special account or accounts in trust
  for the respective holders of such shares, to be paid to them respectively upon
  surrender to such bank or banks or trust company or trust companies of the certificate
  or certificates representing the same, and upon such deposit or deposits being
  made, such shares shall be redeemed on the redemption date specified in the
  notice of redemption; after the Corporation has made a deposit as aforesaid
  with respect to any shares, the holders thereof shall not, from and after the
  redemption date, be entitled to exercise any of the rights of shareholders in
  respect thereof and the rights of the holders thereof shall be limited to receiving
  the proportion of the amounts so deposited applicable to such shares, without
  interest; any interest allowed on such deposit shall belong to the Corporation.</font>
</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.12.4</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Conversion
  of Series T Preferred Shares</I></B></FONT></P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.12.4.1</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Conversion
  at the Option of the Holder</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;Holders of Series T Preferred Shares shall have the right, at their option,
  on November 1, 2006 and on November 1 in every fifth year thereafter (a &#147;Conversion
  Date&#148;), to convert, subject to the terms and provisions hereof, all or
  any Series T Preferred Shares registered in their name into Series S Preferred
  Shares of the Corporation on the basis of one (1) Series S Preferred Share for
  each Series T Preferred Share. The Corporation shall give notice in writing
  to the then holders of the Series T Preferred Shares of the Selected Percentage
  Rate determined by the Board of Directors to be applicable for the next succeeding
  Fixed Dividend Rate Period and of the conversion right provided for herein;
  such notice shall be given by posting the same in a postage paid envelope addressed
  to each holder of the Series T Preferred Shares at the last address of such
  holder as it appears on the securities register of the Corporation or, in the
  event of the address of any holder not so appearing, then to the address of
  such holder last known to the Corporation. Such notice shall set out the Conversion
  Date and shall be given not less than 45 days nor more than 60 days prior to
  the applicable Conversion Date.</font> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;If the Corporation gives notice as provided in section 3.12.3 to the holders
  of the Series T Preferred Shares of the redemption of all the Series T Preferred
  Shares, the Corporation shall not be required to give notice as provided in
  this section 3.12.4.1 to the holders of the Series T Preferred Shares of a Selected
  Percentage Rate or of the conversion right and the right of any holder of Series
  T Preferred Shares to convert such Series T Preferred Shares as herein provided
  shall cease and terminate in that event.</font> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;Holders of Series T Preferred Shares shall not be entitled to convert
  their shares into Series S Preferred Shares if, following the close of business
  on the 14th day preceding a Conversion Date, the Corporation determines that
  there would remain outstanding on the Conversion Date less than 1,000,000 Series
  S </font></P>
<P ALIGN="justify">&nbsp;</P>
<hr>
<p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;62&#150;</font></p>
<P ALIGN="justify">&nbsp;</P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">Preferred
  Shares after taking into account all Series T Preferred Shares tendered for
  conversion into Series S Preferred Shares and all Series S Preferred Shares
  tendered for conversion into Series T Preferred Shares. The Corporation shall
  give notice in writing thereof, in accordance with the provisions of the first
  paragraph of this section 3.12.4.1, to all affected holders of Series T Preferred
  Shares at least seven (7) days prior to the applicable Conversion Date and will
  issue and deliver, or cause to be delivered, prior to such Conversion Date,
  at the expense of the Corporation, to such holders of Series T Preferred Shares,
  who have surrendered for conversion any certificate or certificates representing
  Series T Preferred Shares, new certificates representing the Series T Preferred
  Shares represented by any certificate or certificates surrendered as aforesaid.</font>
</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.12.4.2</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Automatic
  Conversion</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;If following the close of business on the 14th day preceding a Conversion
  Date the Corporation determines that there would remain outstanding on the Conversion
  Date less than 1,000,000 Series T Preferred Shares after taking into account
  all Series T Preferred Shares tendered for conversion into Series S Preferred
  Shares and all Series S Preferred Shares tendered for conversion into Series
  T Preferred Shares, then, all, but not part, of the remaining outstanding Series
  T Preferred Shares shall automatically be converted into Series S Preferred
  Shares on the basis of one (1) Series S Preferred Share for each Series T Preferred
  Share on the applicable Conversion Date and the Corporation shall give notice
  in writing thereof, in accordance with the provisions of section 3.12.4.1, to
  the holders of such remaining Series T Preferred Shares at least seven (7) days
  prior to the Conversion Date.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.12.4.3</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Manner
  of Exercise of Conversion Privilege</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The conversion of Series T Preferred Shares may be effected by surrender
  of the certificate or certificates representing the same not earlier than 45
  days prior to a Conversion Date but not later than the close of business on
  the 14th day preceding a Conversion Date during usual business hours at any
  office of any transfer agent of the Corporation at which the Series T Preferred
  Shares are transferable accompanied by: (1) payment or evidence of payment of
  the tax (if any) payable as provided in this section 3.12.4.3; and (2) a written
  instrument of surrender in form satisfactory to the Corporation duly executed
  by the holder, or his attorney duly authorized in writing, in which instrument
  such holder may also elect to convert part only of the Series T Preferred Shares
  represented by such certificate or certificates not theretofore called for redemption
  in which event the Corporation shall issue and deliver or cause to be delivered
  to such holder, at the expense of the Corporation, a new certificate representing
  the Series T Preferred Shares represented by such certificate or certificates
  which have not been converted.</font> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;In the event the Corporation is required to convert all remaining outstanding
  Series T Preferred Shares into Series S Preferred Shares on the applicable Conversion
  Date as provided for in section 3.12.4.2, the Series T Preferred Shares in respect
  of which the holders have not previously elected to convert, shall be converted
  on the Conversion Date into Series S Preferred Shares and the holders thereof
  shall be deemed to be holders of Series S Preferred Shares at the close of business
  on the Conversion Date and shall be entitled, upon surrender during usual business
  hours at any office of any transfer agent of the Corporation at which the Series
  T Preferred Shares were transferable of the certificate or certificates representing
  Series T Preferred Shares not previously surrendered for conversion, to receive
  a certificate or certificates representing the same number of Series S Preferred
  Shares in the manner and subject to the terms and provisions as provided in
  this section 3.12.4.3.</font> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;As promptly as practicable after the Conversion Date, the Corporation
  shall issue and deliver, or cause to be delivered to or upon the written order
  of the holder of the Series T Preferred Shares so surrendered, a certificate
  or certificates, issued in the name of, or in such name or names as may be directed
  by, such holder representing the number of fully-paid and non-assessable Series
  S Preferred Shares and the number of remaining Series T Preferred Shares, if
  any, to which such holder is entitled. Such conversion shall be deemed to have
  been made at the close of business on the Conversion Date, so that the rights
  of the holder of such Series T Preferred Shares as the holder thereof shall
  cease at such time and the person or persons entitled to receive Series S Preferred
  Shares upon such conversion shall be treated for all purposes as having become
  the holder or holders of record of such Series S Preferred Shares at such time.</font>
</P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The holder of any Series T Preferred Share on the record date for any
  dividend declared payable on such share shall be entitled to such dividend notwithstanding
  that such share is converted into a Series </font></P>
<P ALIGN="justify">&nbsp;</P>
<hr>
<p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;63&#150;</font></p>
<P ALIGN="justify">&nbsp;</P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">S Preferred
  Share after such record date and on or before the date of the payment of such
  dividend.</font> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The issuance of certificates for the Series S Preferred Shares upon the
  conversion of Series T Preferred Shares shall be made without charge to the
  converting holders of Series T Preferred Shares for any fee or tax in respect
  of the issuance of such certificates or the Series S Preferred Shares represented
  thereby; provided, however, that the Corporation shall not be required to pay
  any tax which may be imposed upon the person or persons to whom such Series
  S Preferred Shares are issued in respect of the issuance of such Series S Preferred
  Shares or the certificate therefor or which may be payable in respect of any
  transfer involved in the issuance and delivery of any such certificate in a
  name or names other than that of the holder of the Series T Preferred Shares
  converted, and the Corporation shall not be required to issue or deliver such
  certificate unless the person or persons requesting the issuance thereof shall
  have paid to the Corporation the amount of such tax or shall have established
  to the satisfaction of the Corporation that such tax has been paid.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.12.4.4</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Status
  of Converted Series T Preferred Shares</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;All Series T Preferred Shares converted into Series S Preferred Shares
  on a Conversion Date shall not be cancelled but shall be restored to the status
  of authorized but unissued shares of the Corporation as at the close of business
  on the Conversion Date.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.12.5</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Restrictions
  on Dividends and Retirement of Shares</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;Without the approval of the holders of outstanding Series T Preferred
  Shares:</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;the Corporation shall not declare, pay or set apart for payment any dividends
  (other than stock dividends payable in shares of the Corporation ranking junior
  to the Series T Preferred Shares) on the Common Shares of the Corporation or
  any other shares of the Corporation ranking junior to the Series T Preferred
  Shares;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;the Corporation shall not redeem, purchase or otherwise retire or make
  any capital distribution on or in respect of the Common Shares of the Corporation
  or any other shares of the Corporation ranking junior to the Series T Preferred
  Shares (except out of the net cash proceeds of a substantially concurrent issue
  of shares of the Corporation ranking junior to the Series T Preferred Shares);</FONT>
</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;the Corporation shall not purchase or otherwise retire less than all of
  the Series T Preferred Shares then outstanding; or</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;the Corporation shall not redeem, purchase or otherwise retire (except
  in connection with the exercise of any retraction privilege or any mandatory
  redemption obligation attaching thereto) any shares of any class or series ranking
  on a parity with the Series T Preferred Shares provided that, for greater certainty,
  the covenant in this clause (d) shall not limit or affect any such action in
  respect of any class of shares ranking in priority to the Series T Preferred
  Shares;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">unless,
  in each such case, all cumulative dividends on outstanding Series T Preferred
  Shares accrued up to and including the dividend payable for the last completed
  period for which dividends were payable shall have been declared and paid.</FONT>
</P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;Any approval of the holders of the Series T Preferred Shares required
  to be given pursuant to this section 3.12.5 may be given in accordance with
  the second paragraph of section 3.12.7 and section 3.12.10. Notwithstanding
  the provisions of section 3.12.10 hereof, any approval required to be given
  pursuant to this section 3.12.5 shall be required to be given only by the affirmative
  vote of the holders of the majority of the Series T Preferred Shares present
  or represented at a meeting or adjourned meeting, of the holders of Series T
  Preferred Shares duly called for the purpose and at which a quorum is present.</font>
</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.12.6</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Purchase
  for Cancellation</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The Corporation may at any time purchase for cancellation the whole or
  any part of the Series T Preferred Shares outstanding from time to time, in
  the open market through or from an investment dealer or any firm holding membership
  on a recognized stock exchange, or by private agreement or otherwise, at the
  </font></P>
<P ALIGN="justify">&nbsp;</P>
<hr>
<p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;64&#150;</font></p>
<P ALIGN="justify">&nbsp;</P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">lowest price
  or prices at which in the opinion of the Board of Directors such shares are
  obtainable.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.12.7</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Voting
  Rights</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;If the Corporation fails to pay eight (8) dividends on the Series T Preferred
  Shares, whether or not consecutive, the holders of the Series T Preferred Shares
  shall have the right to receive notice of, and to attend, each meeting of shareholders
  of the Corporation which takes place more than 60 days after the date on which
  the failure first occurs (other than a separate meeting of the holders of another
  series or class of shares) and such holders shall also have the right, at any
  such meeting, to one (1) vote for each Series T Preferred Share held, until
  all such arrears of dividends on the Series T Preferred Shares shall have been
  paid whereupon such rights shall cease unless and until the same default shall
  again arise under the provisions of this section 3.12.7.</font> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;In connection with any actions to be taken by the Corporation which require
  the approval of the holders of the Series T Preferred Shares voting as a series
  or as part of a class, each Series T Preferred Share shall entitle the holder
  thereof to one (1) vote for such purpose.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.12.8</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Issue
  of Additional Preferred Shares</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The Corporation may issue additional series of First Preferred Shares
  ranking on a parity with the Series T Preferred Shares without the authorization
  of the holders of the Series T Preferred Shares.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.12.9</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Modifications</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The provisions attaching to the Series T Preferred Shares as a series
  may be repealed, altered, modified or amended from time to time with such approval
  as may then be required by the <I>Canada Business Corporations Act</I>, any
  such approval to be given in accordance with section 3.12.10.</font> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;None of the series provisions of the articles of the Corporation relating
  to the Series T Preferred Shares shall be amended or otherwise changed unless,
  contemporaneously therewith, the series provisions, if any, relating to the
  Series S Preferred Shares are, to the extent deemed required by the Corporation,
  amended or otherwise changed in the same proportion and in the same manner.</font>
</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.12.10</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Approval
  of Holders of Series T Preferred Shares</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;Any approval given by the holders of the Series T Preferred Shares shall
  be deemed to have been sufficiently given if it shall have been given by the
  holders of Series T Preferred Shares as provided in the provisions attaching
  to the First Preferred Shares as a class, which provisions shall apply <I>mutatis
  mutandis</I>.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.12.11</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Tax
  Election</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The Corporation shall elect, in the manner and within the time provided
  under the <I>Income Tax Act </I>(Canada), under subsection 191.2(1) of the said
  Act, or any successor or replacement provision of similar effect, and take all
  other necessary action under such Act, to pay tax at a rate such that no holder
  of the Series T Preferred Shares will be required to pay tax on dividends received
  on the Series T Preferred Shares under section 187.2 of Part IV.I of such Act
  or any successor or replacement provision of similar effect.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><i>3.12.12</i></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Mail
  Service Interruption</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;If the Corporation determines that mail service is, or is threatened to
  be, interrupted at the time when the Corporation is required or elects to give
  any notice hereunder by mail, or is required to send any cheque or any share
  certificate to the holder of any Series T Preferred Shares, whether in connection
  with the redemption or conversion of such share or otherwise, the Corporation
  may, notwithstanding the provisions hereof:</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;give such notice by telex, telecopier or telegraph communication or by
  means of publication once in each of two successive weeks in a newspaper of
  general circulation published or distributed in Montr&eacute;al and Toronto
  and such notice shall be deemed to have been given on the date on which such
  telex, telecopier or telegraph communication was given or on the date on which
  the first publication has taken place; and</FONT></P>
<P ALIGN="justify">&nbsp;</P>
<hr>
<p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;65&#150;</font></p>
<P ALIGN="justify">&nbsp;</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;fulfill the requirement to send such cheque or such share certificate
  by arranging for delivery thereof to the principal office of the Corporation
  in Montr&eacute;al, and such cheque and/or certificate shall be deemed to have
  been sent on the date on which notice of such arrangement shall have been given
  as provided in (a) above, provided that as soon as the Corporation determines
  that mail service is no longer interrupted or threatened to be interrupted such
  cheque or share certificate, if not theretofore delivered to such holder, shall
  be sent by ordinary unregistered first class prepaid mail to the registered
  address of each person who at the date of mailing is a registered holder and
  who is entitled to receive such cheque or share certificate, or in the event
  of the address of any such holder not appearing on the securities register of
  the Corporation, then at the last address of such holder known to the Corporation.</FONT>
</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.12.13</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Definitions</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;In the provisions herein contained attaching to the Series T Preferred
  Shares:</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;accrued and unpaid dividends&#148; means the aggregate of: (i) all
  unpaid dividends on the Series T Preferred Shares for any quarterly period;
  and (ii) the amount calculated as though dividends on each Series T Preferred
  Share had been accruing on a day-to-day basis from and including the date on
  which the last quarterly dividend was payable to but excluding the date to which
  the computation of accrued dividends is to be made; and</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;in priority to&#148;, &#147;on a parity with&#148; and &#147;junior
  to&#148; have reference to the order of priority in payment of dividends and
  in the distribution of assets in the event of any liquidation, dissolution or
  winding up of the Corporation, whether voluntary or involuntary, or other distribution
  of the assets of the Corporation among its shareholders for the purpose of winding
  up its affairs.</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.12.14</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Interpretation</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;In the event that any date on which any dividend on the Series T Preferred
  Shares is payable by the Corporation, or any date on or by which any other action
  is required to be taken by the Corporation or the holders of Series T Preferred
  Shares hereunder, is not a business day (as hereinafter defined), then such
  dividend shall be payable, or such other action shall be required to be taken,
  on or by the next succeeding day that is a business day. A &#147;business day&#148;
  shall be a day other than a Saturday, a Sunday or any other day that is treated
  as a holiday at the Corporation&#146;s principal office in Canada.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B>3.13</B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>Series
  U Preferred Shares</B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The Series U Preferred Shares shall, in addition to the rights, privileges,
  restrictions and conditions attaching to the First Preferred Shares as a class,
  carry and be subject to the following rights, privileges, restrictions and conditions:</font>
</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.13.1</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Dividend</I></B></FONT></P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.13.1.1</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Definitions</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;For the purposes hereof, the following capitalized terms shall have the
  following meanings, unless the context otherwise requires:</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Adjustment Factor&#148; for any Month means the percentage per annum,
  positive or negative, based on the Calculated Trading Price of the Series U
  Preferred Shares for the preceding Month, determined in accordance with the
  following table:</FONT></P>
<table width="75%" border="0" align="center">
  <tr>
    <td width="60%">&nbsp;</td>
    <td width="40%"><div align="center"><font size="2" face="Arial, Helvetica, sans-serif"><u>The
        Adjustment Factor as a</u></font></div></td>
  </tr>
  <tr>
    <td width="60%"><div align="center"><font size="2" face="Arial, Helvetica, sans-serif"><u>If
        Calculated Trading Price is</u></font></div></td>
    <td width="40%"><div align="center"><font size="2" face="Arial, Helvetica, sans-serif"><u>Percentage
        of Prime Shall Be</u></font></div></td>
  </tr>
  <tr>
    <td width="60%">&nbsp;</td>
    <td width="40%"><div align="center"></div></td>
  </tr>
  <tr>
    <td width="60%"><font size="2" face="Arial, Helvetica, sans-serif">$25.50
      or more</font></td>
    <td width="40%"><div align="center"><font size="2" face="Arial, Helvetica, sans-serif">-4.00%</font></div></td>
  </tr>
  <tr>
    <td width="60%"><font size="2" face="Arial, Helvetica, sans-serif">$25.375
      and less than $25.50</font></td>
    <td width="40%"><div align="center"><font size="2" face="Arial, Helvetica, sans-serif">
        -3.00% </font></div></td>
  </tr>
  <tr>
    <td width="60%"><font size="2" face="Arial, Helvetica, sans-serif">$25.25
      and less than $25.375</font></td>
    <td width="40%"><div align="center"><font size="2" face="Arial, Helvetica, sans-serif">-2.00%
        </font></div></td>
  </tr>
  <tr>
    <td width="60%"><font size="2" face="Arial, Helvetica, sans-serif">$25.125
      and less than $25.25</font></td>
    <td width="40%"><div align="center"><font size="2" face="Arial, Helvetica, sans-serif">-1.00%</font></div></td>
  </tr>
  <tr>
    <td width="60%"><font size="2" face="Arial, Helvetica, sans-serif">Greater
      than $24.875 and less than $25.125</font></td>
    <td width="40%"><div align="center"><font size="2" face="Arial, Helvetica, sans-serif">
        nil </font></div></td>
  </tr>
  <tr>
    <td width="60%"><font size="2" face="Arial, Helvetica, sans-serif">Greater
      than $24.75 to $24.875 </font></td>
    <td width="40%"><div align="center"><font size="2" face="Arial, Helvetica, sans-serif">1.00%</font></div></td>
  </tr>
</table>
<p align="justify">&nbsp;</p>
<hr>
<p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;66&#150;</font></p>
<P ALIGN="justify">&nbsp;</P>
<table width="75%" border="0" align="center">
  <tr>
    <td width="60%">&nbsp;</td>
    <td width="40%"><div align="center"><font size="2" face="Arial, Helvetica, sans-serif"><u>The
        Adjustment Factor as a</u></font></div></td>
  </tr>
  <tr>
    <td width="60%"><div align="center"><font size="2" face="Arial, Helvetica, sans-serif"><u>If
        Calculated Trading Price is</u></font></div></td>
    <td width="40%"><div align="center"><font size="2" face="Arial, Helvetica, sans-serif"><u>Percentage
        of Prime Shall Be</u></font></div></td>
  </tr>
  <tr>
    <td width="60%">&nbsp;</td>
    <td width="40%"><div align="center"></div></td>
  </tr>
  <tr>
    <td width="60%"><font size="2" face="Arial, Helvetica, sans-serif">Greater
      than 24.625 to $24.75</font></td>
    <td width="40%"><div align="center"><font size="2" face="Arial, Helvetica, sans-serif">2.00%</font></div></td>
  </tr>
  <tr>
    <td width="60%"><font size="2" face="Arial, Helvetica, sans-serif">Greater
      than $24.50 to $24.625</font></td>
    <td width="40%"><div align="center"><font size="2" face="Arial, Helvetica, sans-serif">3.00%
        </font></div></td>
  </tr>
  <tr>
    <td width="60%"><font size="2" face="Arial, Helvetica, sans-serif">$24.50
      or less</font></td>
    <td width="40%"><div align="center"><font size="2" face="Arial, Helvetica, sans-serif">4.00%</font></div></td>
  </tr>
</table>
<P ALIGN="center"><font size="2" face="Arial, Helvetica, sans-serif">The maximum
  Adjustment Factor for any Month will be &plusmn;4.00%.</font></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;If in any Month there is no trade on the Exchange of Series U Preferred
  Shares of a board lot or more, the Adjustment Factor for the following Month
  shall be nil;</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Annual Dividend Rate&#148; means the Annual Fixed Dividend Rate,
  the Annual Floating Unlisted Dividend Rate or the Annual Floating Listed Dividend
  Rate, whichever is provided by this section 3.13.1.1 to be applicable at the
  relevant time;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Annual Fixed Dividend Rate&#148; means 5.54% per annum;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Annual Floating Unlisted Dividend Rate&#148; for any Month during
  the Floating Rate Unlisted Period means the rate of interest expressed as a
  percentage per annum (rounded to the nearest one-thousandth of one percent (0.001%))
  which is equal to the Bankers&#146; Acceptance Rate for such Month plus 0.40%;</FONT>
</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Annual Floating Listed Dividend Rate&#148; for any Month during
  the Floating Rate Listed Period means the rate of interest expressed as a percentage
  per annum (rounded to the nearest one-thousandth of one percent (0.001 %)) which
  is equal to Prime multiplied by the Designated Percentage for such Month;</FONT>
</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Bankers&#146; Acceptance Rate&#148; for any Month means the rate
  per annum equal to:</FONT> </P>
<div align="justify">
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(i)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          the simple average (rounded to the nearest one-hundredth of one percent
          (0.01 %)) of the rates per annum quoted by both Dealers where such rates
          per annum, quoted by such Dealers, are equal to the simple average (rounded
          to the nearest one-hundredth of one percent (0.01%) of the bid and ask
          rates of the yields to maturity quoted by each of the Dealers (rounded
          upward to the nearest one-thousandth of one percent (0.001%)), as at
          10:00 a.m., Montr&eacute;al time, on the Bankers&#146; Acceptance Determination
          Date, on 30-day bankers&#146; acceptances accepted by such of Bank of
          Montreal, The Toronto-Dominion Bank, Canadian Imperial Bank of Commerce,
          Royal Bank of Canada and The Bank of Nova Scotia (or their respective
          successors) as are accepting 30-day bankers&#146; acceptances on such
          date;</FONT> </P></TD>
    </TR>
  </TABLE>
  <font size="2" face="Arial, Helvetica, sans-serif"><BR>
  </font>
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(ii)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          in the event one of the Dealers is unable or does not for any reason
          quote the bid and ask rates per annum referred to in section 3.13.1.1(f)(i)
          above as at 10:00 a.m., Montr&eacute;al time on the Bankers&#146; Acceptance
          Determination Date, such rate shall be the simple average rounded to
          the nearest one-hundredth of one percent (0.01%) of the bid and ask
          rates per annum on such date quoted by the other; or</FONT> </P></TD>
    </TR>
  </TABLE>
  <font size="2" face="Arial, Helvetica, sans-serif"><BR>
  </font>
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(iii)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          in the event that both Dealers are unable to or do not for any reason
          quote rates, as at 10:00 a.m., Montr&eacute;al time, on the Bankers&#146;
          Acceptance Determination Date (including without limitation, where none
          of Bank of Montreal, The Toronto-Dominion Bank, Canadian Imperial Bank
          of Commerce, Royal Bank of Canada or The Bank of Nova Scotia is accepting
          30-day bankers&#146; acceptances on such Bankers&#146; Acceptance Determination
          Date) for the purpose of determining the Bankers&#146; Acceptance Rate
          in accordance with (i) or (ii) above, such rate shall be 0.2% plus the
          simple average (rounded to the nearest one-hundredth of one percent
          (0.01%)) of each rate per annum which is equal to the simple average
          (rounded to the nearest one-hundredth of one percent (0.01%)) of the
          bid and ask rates of the yields to maturity quoted by each of the Dealers
          (rounded upward to the nearest one-thousandth of one percent (0.001%))
          as of 10:00 a.m., Montr&eacute;al time on such Bankers&#146; Acceptance
          Determination Date, on Government of Canada Treasury Bills</FONT></P></TD>
    </TR>
  </TABLE>
</div>
<P ALIGN="justify">&nbsp;</P>
<P ALIGN="justify">&nbsp;</P>
<hr>
<p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;67&#150;</font></p>
<P ALIGN="justify">&nbsp;</P>
<TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
  <TR VALIGN="TOP">
    <TD ALIGN="RIGHT" WIDTH="6%">&nbsp;</TD>
    <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
    <TD WIDTH="91%"><P ALIGN="LEFT"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
        maturing as nearly as possible 30 days from such Bankers&#146; Acceptance
        Determination Date;</FONT> </P></TD>
  </TR>
</TABLE>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(g)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Bankers&#146; Acceptance Determination Date&#148; for any Month
  means the last business day immediately preceding such Month;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(h)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Banks&#148; means any two of Royal Bank of Canada, Bank of Montreal,
  The Bank of Nova Scotia, The Toronto-Dominion Bank and Canadian Imperial Bank
  of Commerce and any successor of any of them as may be designated from time
  to time by the Board of Directors by notice given to the transfer agent for
  the Series U Preferred Shares, such notice to take effect on, and to be given
  at least two (2) business days prior to, the commencement of a particular Dividend
  Period and, until such notice is first given, means Royal Bank of Canada and
  The Toronto-Dominion Bank;</FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Calculated Trading Price&#148; for any Month means:</font><font size="2" face="Arial, Helvetica, sans-serif">
  </font> </P>
<div align="justify">
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(i)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="LEFT"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          the aggregate of the Daily Adjusted Trading Value for all Trading Days
          in such Month;</FONT> </P></TD>
    </TR>
  </TABLE>
  <p><font size="2" face="Arial, Helvetica, sans-serif"> &nbsp;&nbsp;&nbsp;divided
    by</font></p>
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(ii)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="LEFT"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          the aggregate of the Daily Trading Volume for all Trading Days in such
          Month;</FONT> </P></TD>
    </TR>
  </TABLE>
</div>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(j) &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Daily Accrued Dividend Deduction&#148; for any Trading Day means:</FONT>
</P>
<div align="justify">
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(i)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          the product obtained by multiplying the dividend accrued on a Series
          U Preferred Share in respect of the Month in which the Trading Day falls
          by the number of days elapsed from but excluding the day prior to the
          Ex-Dividend Date immediately preceding such Trading Day to and including
          such Trading Day (or if such Trading Day is an Ex-Dividend Date, by
          one (1) day);</FONT> </P></TD>
    </TR>
  </TABLE>
  <p><font size="2" face="Arial, Helvetica, sans-serif"> &nbsp;&nbsp;&nbsp;divided
    by</font></p>
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(ii)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="LEFT"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          the number of days from and including such Ex-Dividend Date to but excluding
          the following Ex-Dividend Date;</FONT> </P></TD>
    </TR>
  </TABLE>
</div>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(k)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Daily Adjusted Trading Value&#148; for any Trading Day means:</FONT>
</P>
<div align="justify">
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(i)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          the aggregate dollar value of all transactions of Series U Preferred
          Shares on the Exchange (made on the basis of the normal settlement period
          in effect on the Exchange) occurring during such Trading Day;</FONT>
        </P></TD>
    </TR>
  </TABLE>
</div>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;less</font></P>
<div align="justify">
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(ii)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="LEFT"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          the Daily Trading Volume for such Trading Day multiplied by the Daily
          Accrued Dividend Deduction for such Trading Day;</FONT> </P></TD>
    </TR>
  </TABLE>
</div>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(l)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Daily Trading Volume&#148; for any Trading Day means the aggregate
  number of Series U Preferred Shares traded in all transactions (made on the
  basis of the normal settlement period in effect on the Exchange) occurring during
  such Trading Day on the Exchange;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(m)&nbsp;&nbsp;&nbsp;&nbsp;
  &#147;Dealers&#148; for any Bankers&#146; Acceptance Rate means RBC Dominion
  Securities Inc., and any successor thereto, and TD Securities Inc., and any
  successor thereto;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(n)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Deemed Record Date&#148; means the last Trading Day of a Month with
  respect to which no dividend is declared by the Board of Directors;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(o)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Designated Percentage&#148; for the Month of March, 2007 means eighty
  percent (80%) and for </FONT></P>
<P ALIGN="justify">&nbsp;</P>
<hr>
<p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;68&#150;</font></p>
<P ALIGN="justify">&nbsp;</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">each Month
  thereafter means the Adjustment Factor for such Month plus the Designated Percentage
  for the preceding Month, provided that the Annual Floating Listed Dividend Rate
  for any Month shall in no event be less than 50% of Prime for such Month or
  more than 100% of Prime for such Month;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(p)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Dividend Payment Date&#148; means:</FONT> </P>
<div align="justify">
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(i)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="LEFT"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          during the Fixed Rate Period, the first day of each of March, June,
          September and December in each year;</FONT> </P></TD>
    </TR>
  </TABLE>
  <font size="2" face="Arial, Helvetica, sans-serif"><BR>
  </font>
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(ii)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          during the Floating Rate Unlisted Period, the 12th day of each Month
          commencing with the Month of April, 2007; and</FONT></P></TD>
    </TR>
  </TABLE>
  <font size="2" face="Arial, Helvetica, sans-serif"><BR>
  </font>
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(iii)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          during the Floating Rate Listed Period, the 12th day of each Month commencing
          with the first full calendar month following listing of the Series U
          Preferred Shares on the Exchange;</FONT> </P></TD>
    </TR>
  </TABLE>
  <font size="2" face="Arial, Helvetica, sans-serif"><BR>
  &nbsp;&nbsp;&nbsp;and the first Dividend Payment Date shall be September 1,
  1997; </font> </div>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(q)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Dividend Period&#148; means:</FONT> </P>
<div align="justify">
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(i)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          during the Fixed Rate Period, the period from and including a Dividend
          Payment Date to but not including the next succeeding Dividend Payment
          Date; and</FONT> </P></TD>
    </TR>
  </TABLE>
  <font size="2" face="Arial, Helvetica, sans-serif"><BR>
  </font>
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(ii)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="LEFT"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          during the Floating Rate Unlisted Period and the Floating Rate Listed
          Period, a Month;</FONT> </P></TD>
    </TR>
  </TABLE>
</div>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(r)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Ex-Dividend Date&#148; means:</FONT> </P>
<div align="justify">
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(i)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          the Trading Day which, under the rules or normal practices of the Exchange,
          is designated or recognized as the Ex-Dividend Date relative to any
          dividend record date for the Series U Preferred Shares; or</FONT> </P></TD>
    </TR>
  </TABLE>
  <font size="2" face="Arial, Helvetica, sans-serif"><br>
  </font>
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(ii)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          if the Board of Directors fails to declare a dividend in respect of
          a Month, the Trading Day which, under the rules or normal practices
          of the Exchange, would be recognized as the Ex-Dividend Date relative
          to any Deemed Record Date for the Series U Preferred Shares;</FONT>
        </P></TD>
    </TR>
  </TABLE>
</div>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(s)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Exchange&#148;, for purposes of the definition of the terms &#147;Daily
  Adjusted Trading Value&#148;, &#147;Daily Trading Volume&#148;, &#147;Ex-Dividend
  Date&#148; and &#147;Trading Day&#148; and for purposes of determining the Adjustment
  Factor, means The Montreal Exchange or The Toronto Stock Exchange or such other
  exchange or trading market in Canada as may be determined from time to time
  by the Corporation as being the principal trading market for the Series U Preferred
  Shares and for all other purposes herein, means The Montreal Exchange or the
  Toronto Stock Exchange;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(t)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Fixed Rate Period&#148; means the period commencing with the date
  of issue of the Series U Preferred Shares and ending on and including February
  28, 2007;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(u)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &#147;Floating Rate Unlisted Period&#148; means the period commencing immediately
  after the end of the Fixed Rate Period, if at such time the Series U Preferred
  Shares are not unconditionally listed on the Exchange, and continuing until
  and including the last day of the Month, if any, in which the Series U Preferred
  Shares are unconditionally listed on the Exchange;</FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">(v)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &#147;Floating Rate Listed Period&#148; means the period commencing on and including
  the later of:</font> <font size="2" face="Arial, Helvetica, sans-serif"> </font><font size="2" face="Arial, Helvetica, sans-serif">
  </font> </P>
<div align="justify">
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(i)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="LEFT"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          March 1, 2007; and</FONT> </P></TD>
    </TR>
  </TABLE>
  <font size="2" face="Arial, Helvetica, sans-serif"><BR>
  </font>
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(ii)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          the first day of the Month following the date, if any, in which the
          Series U Preferred</FONT></P></TD>
    </TR>
  </TABLE>
</div>
<P ALIGN="justify">&nbsp;</P>
<hr>
<p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;69&#150;</font></p>
<P ALIGN="justify">&nbsp;</P>
<TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
  <TR VALIGN="TOP">
    <TD ALIGN="RIGHT" WIDTH="6%">&nbsp;</TD>
    <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
    <TD WIDTH="91%"><P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
        Shares are unconditionally listed on the Exchange;</FONT> </P></TD>
  </TR>
</TABLE>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(w)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Month&#148; means a calendar month;</FONT> </P>
<div align="justify"><font size="2" face="Arial, Helvetica, sans-serif">(x)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;"Prime" for a Month means the average (rounded to the nearest one-thousandth
  of one percent (0.001 %)) of the Prime Rate in effect on each day of such Month;
  </font> </div>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(y)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Prime Rate&#148; for any day means the average (rounded to the nearest
  one-thousandth of one percent (0.001 %)) of the annual rates of interest announced
  from time to time by the Banks as the reference rates then in effect for such
  day for determining interest rates on Canadian dollar commercial loans made
  to prime commercial borrowers in Canada. If one of the Banks does not have such
  an interest rate in effect on a day, the Prime Rate for such day shall be such
  interest rate in effect for that day of the other Bank; if both Banks do not
  have such an interest rate in effect on a day, the Prime Rate for that day shall
  be equal to one and a half percent (1.5%) per annum plus the average yield expressed
  as a percentage per annum on 91-day Government of Canada Treasury Bills, as
  reported by the Bank of Canada, for the weekly tender for the week immediately
  preceding that day; and if both of such Banks do not have such an interest rate
  in effect on a day and the Bank of Canada does not report such average yield
  per annum, the Prime Rate for that day shall be equal to the Prime Rate for
  the next preceding day. The Prime Rate and Prime shall be determined from time
  to time by an officer of the Corporation from quotations supplied by the Banks
  or otherwise publicly available. Such determination shall, in the absence of
  manifest error, be final and binding upon the Corporation and upon all holders
  of Series U Preferred Shares;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(z)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Qualifying Listing Request&#148; means a request to list the Series
  U Preferred Shares on the Exchange by holders holding together in the aggregate
  at least 3,000,000 Series U Preferred Shares and/or Series V Preferred Shares
  (&#147;Requesting Holders&#148;) who have committed to use all commercially
  reasonable best efforts to sell to unrelated parties through the facilities
  of the Exchange before the applicable Sale Completion Date, such number of Series
  U Preferred Shares and/or Series V Preferred Shares to such number of holders
  so as to meet the then listing requirements of the Exchange (but in any event,
  in the aggregate at least 3,000,000 Series U Preferred Shares and/or Series
  V Preferred Shares), provided that such request may not be made before June
  27, 2000, and may not be made within six (6) months of the last Qualifying Listing
  Request by any holder of Series U Preferred Shares and/or Series V Preferred
  Shares;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(aa)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Sale Completion Date&#148; for any Qualifying Listing Request means
  the applicable date after the conditional listing, if obtained, of the Series
  U Preferred Shares on the Exchange pursuant to such request (the &#147;Conditional
  Listing&#148;) determined as follows:</FONT> </P>
<div align="justify">
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(i)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          if during the period commencing with the date of such request and terminating
          30 days from the date of the Conditional Listing, the Corporation announces
          publicly its intention to issue by way of a public offering at least
          $50,000,000 of Substantially Similar Preferred Shares, the applicable
          date shall be 120 days from the date of the Conditional Listing;</FONT>
        </P></TD>
    </TR>
  </TABLE>
  <font size="2" face="Arial, Helvetica, sans-serif"><BR>
  </font>
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(ii)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          (a) if there has occurred an Unusual Event during the period commencing
          with the date of such request and terminating 30 days from the date
          of the Conditional Listing; or (b) in the event the Corporation announces
          publicly its intention to issue Substantially Similar Preferred Shares
          in accordance with section 3.13.1.1(aa)(i) hereof during the period
          commencing with a date of such request and terminating 120 days from
          the date of the Conditional Listing and if there has occurred an Unusual
          Event during such period, the applicable date shall be 210 days and
          300 days respectively from the date of the Conditional Listing; and</FONT>
        </P></TD>
    </TR>
  </TABLE>
  <font size="2" face="Arial, Helvetica, sans-serif"><BR>
  </font>
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(iii)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="LEFT"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          in all other cases, the applicable date shall be 30 days from the date
          of the Conditional Listing;</FONT> </P></TD>
    </TR>
  </TABLE>
</div>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(bb)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &#147;Substantially Similar Preferred Shares&#148; shall mean preferred shares
  of the Corporation:</FONT> </P>
<div align="justify">
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(i)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="LEFT"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          which are of the same class as the Series U Preferred Shares;</FONT>
        </P></TD>
    </TR>
  </TABLE>
  <p>&nbsp;</p>
  <hr>
  <p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;70&#150;</font></p>
  <p>&nbsp;</p>
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(ii)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          the holders of which are entitled to cumulative preferred cash dividends
          payable at a fixed rate for an initial pre-determined period and thereafter
          are entitled to cumulative preferred cash dividends payable at a floating
          rate fixed every five years; and</FONT> </P></TD>
    </TR>
  </TABLE>
  <font size="2" face="Arial, Helvetica, sans-serif"><BR>
  </font>
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(iii)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="LEFT"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          which are convertible into another series of preferred shares of the
          Corporation;</FONT> </P></TD>
    </TR>
  </TABLE>
</div>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(cc)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &#147;Trading Day&#148; means, if the Exchange is a stock exchange in Canada,
  a day on which the Exchange is open for trading or, in any other case, a business
  day; and</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(dd)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &#147;Unusual Event&#148; for a Sale Completion Date means any event, action,
  state, condition or major financial occurrence of national or international
  consequence, or any law or regulation which, in the reasonable opinion of the
  Requesting Holders, seriously adversely affects, or involves, or will seriously
  affect, or involve, the market for the Series U Preferred Shares and/or Series
  V Preferred Shares.</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.13.1.2</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>General</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The holders of the Series U Preferred Shares shall be entitled to receive
  cumulative preferred cash dividends, as and when declared by the Board of Directors,
  out of moneys of the Corporation properly applicable to the payment of dividends,
  at the rates and times herein provided. Dividends on the Series U Preferred
  Shares shall accrue on a daily basis from and including the date of issue thereof,
  and shall be payable quarterly during the Fixed Rate Period and monthly during
  the Floating Rate Unlisted Period and the Floating Rate Listed Period. Payment
  of the dividend on the Series U Preferred Shares payable on any Dividend Payment
  Date (less any tax required to be deducted) shall be made by cheque at par in
  lawful money of Canada payable at any branch in Canada of the Corporation&#146;s
  bankers.</font> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;Dividends declared on the Series U Preferred Shares shall (except in case
  of redemption in which case payment of dividends shall be made on surrender
  of the certificate representing the Series U Preferred Shares to be redeemed)
  be paid by posting in a postage paid envelope addressed to each holder of the
  Series U Preferred Shares at the last address of such holder as it appears on
  the securities register of the Corporation or, in the event of the address of
  any holder not so appearing, then to the address of such holder last known to
  the Corporation, or, in the case of joint holders, to the address of that one
  whose name appears first in the securities register of the Corporation as one
  of such joint holders, a cheque for such dividends (less any tax required to
  be deducted) payable to the order of such holder or, in the case of joint holders,
  to the order of all such holders failing written instructions from them to the
  contrary. Notwithstanding the foregoing, any dividend cheque may be delivered
  by the Corporation to a holder of Series U Preferred Shares at his address as
  aforesaid. The posting or delivery of such cheque shall be deemed to be payment
  and shall satisfy and discharge all liabilities for the payment of such dividends
  to the extent of the sum represented thereby (plus the amount of any tax required
  to be deducted as aforesaid) unless such cheque is not paid on due presentation.</font>
</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.13.1.3</I></B>&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Fixed
  Rate Period</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;During the Fixed Rate Period, the dividends in respect of the Series U
  Preferred Shares shall be payable quarterly at the Annual Fixed Dividend Rate.
  Accordingly, on each Dividend Payment Date during the Fixed Rate Period, other
  than September 1, 1997, but including March 1, 2007, the dividend payable shall
  be $0.34625 per Series U Preferred Share. Notwithstanding the foregoing, the
  amount of the first quarterly dividend payable on each Series U Preferred Share
  on September 1, 1997, shall be $0.25044 per share.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.13.1.4</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Floating
  Rate Unlisted Period</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;During the Floating Rate Unlisted Period, the dividends in respect of
  the Series U Preferred Shares shall be payable monthly at the Annual Floating
  Unlisted Dividend Rate as calculated from time to time. Accordingly, on each
  Dividend Payment Date during the Floating Rate Unlisted Period, the dividend
  payable on the Series U Preferred Shares shall be that amount (rounded to the
  nearest one-thousandth of one cent ($0.00001) obtained by multiplying $25.00
  by the Annual Floating Unlisted Dividend Rate applicable to the Month preceding
  such Dividend Payment Date and by dividing the product by twelve. The record
  date for the purpose of determining holders of Series U Preferred Shares entitled
  to receive dividends on each Dividend Payment Date during the Floating Rate
  Unlisted Period shall be the last Trading Day of the next preceding Month. In
  the</font> </P>
<P ALIGN="justify">&nbsp;</P>
<hr>
<p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;71&#150;</font></p>
<p>&nbsp;</p>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">event of
  the redemption or purchase of the Series U Preferred Shares during the Floating
  Rate Unlisted Period or the distribution of the assets of the Corporation during
  the Floating Rate Unlisted Period as contemplated by section 3.13.2 hereof,
  the amount of the dividend which has accrued during the Month in which such
  redemption, purchase or distribution occurs shall be the amount (rounded to
  the nearest one-thousandth of one cent ($0.00001)) calculated by multiplying:</FONT>
</P>
<div align="justify">
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(i)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="LEFT"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          the amount obtained by multiplying $25.00 by one-twelfth (1/12) of the
          Annual Floating Unlisted Dividend Rate applicable to the preceding Month;
          by</FONT> </P></TD>
    </TR>
  </TABLE>
  <font size="2" face="Arial, Helvetica, sans-serif"><BR>
  </font>
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(ii)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          a fraction of which the numerator is the number of days elapsed in the
          Month in which such redemption, purchase or distribution occurs up to
          but not including the date of such event and the denominator of which
          is the number of days in that Month.</FONT> </P></TD>
    </TR>
  </TABLE>
</div>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.13.1.5</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B><B><I>Floating
  Rate Listed Period</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;During the Floating Rate Listed Period, the dividends in respect of the
  Series U Preferred Shares shall be payable monthly at the Annual Floating Listed
  Dividend Rate as calculated from time to time. Accordingly, on each Dividend
  Payment Date during the Floating Rate Listed Period, the dividend payable on
  the Series U Preferred Shares shall be that amount (rounded to the nearest one-thousandth
  of one cent ($0.00001)) obtained by multiplying $25.00 by the Annual Floating
  Listed Dividend Rate applicable to the Month preceding such Dividend Payment
  Date and by dividing the product by twelve. The record date for the purpose
  of determining holders of Series U Preferred Shares entitled to receive dividends
  on each Dividend Payment Date during the Floating Rate Listed Period shall be
  the last Trading Day of the next preceding Month. In the event of the redemption
  or purchase of the Series U Preferred Shares during the Floating Rate Listed
  Period or the distribution of the assets of the Corporation during the Floating
  Rate Listed Period as contemplated by section 3.13.2 hereof, the amount of the
  dividend which has accrued during the Month in which such redemption, purchase
  or distribution occurs shall be the amount (rounded to the nearest one-thousandth
  of one cent ($0.00001)) calculated by multiplying:</font> </P>
<div align="justify">
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(i)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          the amount obtained by multiplying $25.00 by one-twelfth (1/12) of the
          Annual Floating Listed Dividend Rate applicable to the preceding Month;
          by</FONT> </P></TD>
    </TR>
  </TABLE>
  <font size="2" face="Arial, Helvetica, sans-serif"><BR>
  </font>
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(ii)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          a fraction of which the numerator is the number of days elapsed in the
          Month in which such redemption, purchase or distribution occurs up to
          but not including the date of such event and the denominator of which
          is the number of days in that Month.</FONT> </P></TD>
    </TR>
  </TABLE>
</div>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.13.1.6</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B><B><I>Calculation
  of Designated Percentage</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The Corporation shall as promptly as practicable calculate the Designated
  Percentage for each Month and give notice thereof to all stock exchanges in
  Canada on which the Series U Preferred Shares are listed for trading or if the
  Series U Preferred Shares are not listed on a stock exchange in Canada to the
  Investment Dealers Association of Canada.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.13.2</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B><B><I>Rights
  on Liquidation</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;In the event of the liquidation, dissolution or winding up of the Corporation
  or any other distribution of assets of the Corporation for the purpose of winding
  up its affairs, the holders of the Series U Preferred Shares shall be entitled
  to receive $25.00 per Series U Preferred Share together with all dividends accrued
  and unpaid up to but excluding the date of payment or distribution, before any
  amounts shall be paid or any assets of the Corporation distributed to the holders
  of the Common Shares of the Corporation or any other shares ranking junior to
  the Series U Preferred Shares. Upon payment of such amounts, the holders of
  the Series U Preferred Shares shall not be entitled to share in any further
  distribution of the property or assets of the Corporation.</font> </P>
<P ALIGN="justify">&nbsp;</P>
<hr>
<p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;72&#150;</font></p>
<P ALIGN="justify">&nbsp;</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.13.3</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B><B><I>Redemption
  at the Option of the Corporation</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The Corporation may not redeem any of the Series U Preferred Shares prior
  to March 1, 2007. Subject to applicable law and section 3.13.5 hereof, upon
  giving notice as hereinafter provided, the Corporation may:</font> </P>
<div align="justify">
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(i)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="LEFT"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          on March 1, 2007, redeem all, but not less than all, of the outstanding
          Series U Preferred Shares, on payment of $25.00 for each such share
          to be redeemed;</FONT> </P></TD>
    </TR>
  </TABLE>
  <font size="2" face="Arial, Helvetica, sans-serif"><BR>
  </font>
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(ii)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          after March 1, 2007, if the date of such redemption is during the Floating
          Rate Unlisted Period, redeem at any time all, but not less than all,
          of the outstanding Series U Preferred Shares, on payment of $25.00 for
          each such share to be redeemed; and</FONT> </P></TD>
    </TR>
  </TABLE>
  <font size="2" face="Arial, Helvetica, sans-serif"><BR>
  </font>
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(iii)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="LEFT"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          after March 1, 2007, if the date of such redemption is during the Floating
          Rate Listed Period, redeem at any time all, but not less than all, of
          the outstanding Series U Preferred Shares, on payment of $25.50 for
          each share to be so redeemed;</FONT> </P></TD>
    </TR>
  </TABLE>
</div>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">in each
  case, together with accrued and unpaid dividends up to but excluding the date
  fixed for redemption, the whole constituting the redemption price.</FONT> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The Corporation shall give notice in writing not less than 45 days nor
  more than 60 days prior to the date on which the redemption is to take place
  to each person who at the date of giving such notice is the holder of Series
  U Preferred Shares to be redeemed of the intention of the Corporation to redeem
  such shares; such notice shall be given by posting the same in a postage paid
  envelope addressed to each holder of Series U Preferred Shares to be redeemed
  at the last address of such holder as it appears on the securities register
  of the Corporation or, in the event of the address of any holder not so appearing,
  then to the address of such holder last known to the Corporation, provided that
  the accidental failure or omission to give any such notices as aforesaid to
  one or more of such holders shall not affect the validity of the redemption
  as to the other holders of the Series U Preferred Shares to be redeemed. Such
  notice shall set out the number of such Series U Preferred Shares held by the
  person to whom it is addressed which are to be redeemed and the redemption price
  and shall also set out the date on which the redemption is to take place, and
  on and after the date so specified for redemption the Corporation shall pay
  or cause to be paid to the holders of such Series U Preferred Shares to be redeemed
  the redemption price on presentation and surrender at any place or places within
  Canada designated by such notice, of the certificate or certificates for such
  Series U Preferred Shares so called for redemption; such payment shall be made
  by cheque payable at par at any branch in Canada of the Corporation&#146;s bankers;
  from and after the date specified in any such notice, the Series U Preferred
  Shares called for redemption shall cease to be entitled to dividends and the
  holders thereof shall not be entitled to exercise any of the rights of shareholders
  in respect thereof unless payment of the redemption price shall not be duly
  made by the Corporation; at any time after notice of redemption is given as
  aforesaid, the Corporation shall have the right to deposit the redemption price
  of any or all Series U Preferred Shares called for redemption with any chartered
  bank or banks or with any trust company or trust companies in Canada named in
  the notice of redemption to the credit of a special account or accounts in trust
  for the respective holders of such shares, to be paid to them respectively upon
  surrender to such bank or banks or trust company or trust companies of the certificate
  or certificates representing the same, and upon such deposit or deposits being
  made, such shares shall be redeemed on the redemption date specified in the
  notice of redemption; after the Corporation has made a deposit as aforesaid
  with respect to any shares, the holders thereof shall not, from and after the
  redemption date, be entitled to exercise any of the rights of shareholders in
  respect thereof and the rights of the holders thereof shall be limited to receiving
  the proportion of the amounts so deposited applicable to such shares, without
  interest; any interest allowed on such deposit shall belong to the Corporation.</font>
</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.13.4</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B><B><I>Conversion
  of Series U Preferred Shares</I></B></FONT></P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.13.4.1</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B><B><I>Conversion
  at the Option of the Holder</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;Holders of Series U Preferred Shares shall have the right, at their option,
  on March 1, 2007 and on March 1 in every fifth year thereafter (a &#147;Conversion
  Date&#148;), to convert, subject to the terms and conditions hereof, all or
  any Series U Preferred Shares registered in their name into Series V Preferred
  Shares of </font></P>
<P ALIGN="justify">&nbsp;</P>
<hr>
<p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;73&#150;</font></p>
<P ALIGN="justify">&nbsp;</P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">the Corporation
  on the basis of one (1) Series V Preferred Share for each Series U Preferred
  Share. The Corporation shall give notice in writing to the then holders of the
  Series U Preferred Shares of the Selected Percentage Rate (as defined in section
  3.14.1.1 of the articles of the Corporation relating to the Series V Preferred
  Shares) determined by the Board of Directors to be applicable for the next succeeding
  Fixed Dividend Rate Period (as defined in section 3.14.1.1 of the articles of
  the Corporation relating to the Series V Preferred Shares) and of the conversion
  right provided for herein; such notice shall be given by posting the same in
  a postage paid envelope addressed to each holder of the Series U Preferred Shares
  at the last address of such holder as it appears on the securities register
  of the Corporation or, in the event of the address of any holder not so appearing,
  then to the address of such holder last known to the Corporation. Such notice
  shall set out the Conversion Date and shall be given not less than 45 days nor
  more than 60 days prior to the applicable Conversion Date.</font> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;If the Corporation gives notice as provided in section 3.13.3 to the holders
  of the Series U Preferred Shares of the redemption of all the Series U Preferred
  Shares, the Corporation shall not be required to give notice as provided in
  this section 3.14.1.1 to the holders of the Series U Preferred Shares of a Selected
  Percentage Rate (as defined in section 3.14.1.1 of the articles of the Corporation
  relating to the Series V Preferred Shares) for the Series V Preferred Shares
  or of the conversion right and the right of any holder of Series U Preferred
  Shares to convert such Series U Preferred Shares as herein provided shall cease
  and terminate in that event.</font> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;Holders of Series U Preferred Shares shall not be entitled to convert
  their shares into Series V Preferred Shares if, following the close of business
  on the 14th day preceding a Conversion Date, the Corporation determines that
  there would remain outstanding on the Conversion Date less than 1,000,000 Series
  V Preferred Shares, after taking into account all Series U Preferred Shares
  tendered for conversion into Series V Preferred Shares and all Series V Preferred
  Shares tendered for conversion into Series U Preferred Shares. The Corporation
  shall give notice in writing thereof, in accordance with the provisions of the
  first paragraph of this section 3.13.4.1, to all affected holders of Series
  U Preferred Shares at least seven (7) days prior to the applicable Conversion
  Date and will issue and deliver, or cause to be delivered, prior to such Conversion
  Date, at the expense of the Corporation, to such holders of Series U Preferred
  Shares, who have surrendered for conversion any certificate or certificates
  representing Series U Preferred Shares, new certificates representing the Series
  U Preferred Shares represented by any certificate or certificates surrendered
  as aforesaid.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.13.4.2</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B><B><I>Automatic
  Conversion</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;If following the close of business on the 14th day preceding a Conversion
  Date, the Corporation determines that there would remain outstanding on the
  Conversion Date less than 1,000,000 Series U Preferred Shares after taking into
  account all Series U Preferred Shares tendered for conversion into Series V
  Preferred Shares and all Series V Preferred Shares tendered for conversion into
  Series U Preferred Shares, then, all, but not part, of the remaining outstanding
  Series U Preferred Shares shall automatically be converted into Series V Preferred
  Shares on the basis of one (1) Series V Preferred Share for each Series U Preferred
  Share on the applicable Conversion Date and the Corporation shall give notice
  in writing thereof, in accordance with the provisions of section 3.13.4.1, to
  the holders of such remaining Series U Preferred Shares at least seven (7) days
  prior to the Conversion Date.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.13.4.3</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B><B><I>Manner
  of Exercise of Conversion Privilege</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The conversion of Series U Preferred Shares may be effected by surrender
  of the certificate or certificates representing the same not earlier than 45
  days prior to a Conversion Date but not later than the close of business on
  the 14th day preceding a Conversion Date during usual business hours at any
  office of any transfer agent of the Corporation at which the Series U Preferred
  Shares are transferable accompanied by: i) payment or evidence of payment of
  the tax (if any) payable as provided in this section 3.13.4.3; and ii) a written
  instrument of surrender in form satisfactory to the Corporation duly executed
  by the holder, or his attorney duly authorized in writing, in which instrument
  such holder may also elect to convert part only of the Series U Preferred Shares
  represented by such certificate or certificates not theretofore called for redemption
  in which event the Corporation shall issue and deliver or cause to be delivered
  to such holder, at the expense of the Corporation, a new certificate representing
  the Series U Preferred Shares represented by such certificate or certificates
  which have not been converted.</font> </P>
<P ALIGN="justify">&nbsp;</P>
<hr>
<p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;74&#150;</font></p>
<P ALIGN="justify">&nbsp;</P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;In the event the Corporation is required to convert all remaining outstanding
  Series U Preferred Shares into Series V Preferred Shares on the applicable Conversion
  Date as provided for in section 3.13.4.2, the Series U Preferred Shares, in
  respect of which the holders have not previously elected to convert, shall be
  converted on the Conversion Date into Series V Preferred Shares and the holders
  thereof shall be deemed to be holders of Series V Preferred Shares at the close
  of business on the Conversion Date and shall be entitled, upon surrender during
  usual business hours at any office of any transfer agent of the Corporation
  at which the Series U Preferred Shares were transferable of the certificate
  or certificates representing Series U Preferred Shares not previously surrendered
  for conversion, to receive a certificate or certificates representing the same
  number of Series V Preferred Shares in the manner and subject to the terms and
  provisions as provided in this section 3.13.4.3.</font> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;As promptly as practicable after the Conversion Date, the Corporation
  shall issue and deliver, or cause to be delivered to or upon the written order
  of the holder of the Series U Preferred Shares so surrendered, a certificate
  or certificates, issued in the name of, or in such name or names as may be directed
  by, such holder representing the number of fully-paid and non-assessable Series
  V Preferred Shares and the number of remaining Series U Preferred Shares, if
  any, to which such holder is entitled. Such conversion shall be deemed to have
  been made at the close of business on the Conversion Date, so that the rights
  of the holder of such Series U Preferred Shares as the holder thereof shall
  cease at such time and the person or persons entitled to receive Series V Preferred
  Shares upon such conversion shall be treated for all purposes as having become
  the holder or holders of record of such Series V Preferred Shares at such time.</font>
</P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The holder of any Series U Preferred Share on the record date for any
  dividend declared payable on such share shall be entitled to such dividend notwithstanding
  that such share is converted into a Series V Preferred Share after such record
  date and on or before the date of the payment of such dividend.</font> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The issuance of certificates for the Series V Preferred Shares upon the
  conversion of Series U Preferred Shares shall be made without charge to the
  converting holders of Series U Preferred Shares for any fee or tax in respect
  of the issuance of such certificates or the Series V Preferred Shares represented
  thereby; provided, however, that the Corporation shall not be required to pay
  any tax which may be imposed upon the person or persons to whom such Series
  V Preferred Shares are issued in respect of the issuance of such Series V Preferred
  Shares or the certificate therefor or which may be payable in respect of any
  transfer involved in the issuance and delivery of any such certificate in a
  name or names other than that of the holder of the Series U Preferred Shares
  converted, and the Corporation shall not be required to issue or deliver such
  certificate unless the person or persons requesting the issuance thereof shall
  have paid to the Corporation the amount of such tax or shall have established
  to the satisfaction of the Corporation that such tax has been paid.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.13.4.4</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B><B><I>Status
  of Converted Series U Preferred Shares</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;All Series U Preferred Shares converted into Series V Preferred Shares
  on a Conversion Date shall not be cancelled but shall be restored to the status
  of authorized but unissued shares of the Corporation as at the close of business
  on the Conversion Date.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.13.5</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B><B><I>Restrictions
  on Dividends and Retirement of Shares</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;Without the approval of the holders of outstanding Series U Preferred
  Shares:</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;the Corporation shall not declare, pay or set apart for payment any dividends
  (other than stock dividends payable in shares of the Corporation ranking junior
  to the Series U Preferred Shares) on the Common Shares of the Corporation or
  any other shares of the Corporation ranking junior to the Series U Preferred
  Shares;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;the Corporation shall not redeem, purchase or otherwise retire or make
  any capital distribution on or in respect of the Common Shares of the Corporation
  or any other shares of the Corporation ranking junior to the Series U Preferred
  Shares (except out of the net cash proceeds of a substantially concurrent issue
  of shares of the Corporation ranking junior to the Series U Preferred Shares);</FONT>
</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;the Corporation shall not purchase or otherwise retire less than all of
  the Series U Preferred Shares then outstanding; or</FONT></P>
<P ALIGN="justify">&nbsp;</P>
<hr>
<p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;75&#150;</font></p>
<P ALIGN="justify">&nbsp;</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;the Corporation shall not redeem, purchase or otherwise retire (except
  in connection with the exercise of any retraction privilege or any mandatory
  redemption obligation attaching thereto) any shares of any class or series ranking
  on a parity with the Series U Preferred Shares provided that, for greater certainty,
  the covenant in this clause (d) shall not limit or affect any such action in
  respect of any class of shares ranking in priority to the Series U Preferred
  Shares;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">unless,
  in each such case, all cumulative dividends on outstanding Series U Preferred
  Shares accrued up to and including the dividend payable for the last completed
  period for which dividends were payable shall have been declared and paid.</FONT>
</P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;Any approval of the holders of Series U Preferred Shares required to be
  given pursuant to this section 3.13.5 may be given in accordance with the second
  paragraph of section 3.13.7 and section 3.13.10. Notwithstanding the provisions
  of section 3.13.10 hereof, any approval required to be given pursuant to this
  section 3.13.5 shall be required to be given only by the affirmative vote of
  the holders of the majority of the Series U Preferred Shares present or represented
  at a meeting, or adjourned meeting, of the holders of Series U Preferred Shares
  duly called for the purpose and at which a quorum is present.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.13.6</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B><B><I>Purchase
  for Cancellation</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The Corporation may at any time purchase for cancellation the whole or
  any part of the Series U Preferred Shares outstanding from time to time, in
  the open market through or from an investment dealer or any firm holding membership
  on a recognized stock exchange, or by private agreement or otherwise, at the
  lowest price or prices at which in the opinion of the Board of Directors such
  shares are obtainable.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.13.7</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B><B><I>Voting
  Rights</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;If the Corporation fails to pay eight (8) dividends on the Series U Preferred
  Shares, whether or not consecutive, the holders of the Series U Preferred Shares
  shall have the right to receive notice of, and to attend, each meeting of shareholders
  of the Corporation which takes place more than 60 days after the date on which
  the failure first occurs (other than a separate meeting of the holders of another
  series or class of shares) and such holders shall also have the right, at any
  such meeting, to one (1) vote for each Series U Preferred Share held, until
  all such arrears of dividends on the Series U Preferred Shares shall have been
  paid whereupon such rights shall cease unless and until the same default shall
  again arise under the provisions of this section 3.13.7.</font> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;In connection with any actions to be taken by the Corporation which require
  the approval of the holders of the Series U Preferred Shares voting as a series
  or as part of a class, each Series U Preferred Share shall entitle the holder
  thereof to one (1) vote for such purpose.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.13.8</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B><B><I>Issue
  of Additional Preferred Shares</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The Corporation may issue additional series of First Preferred Shares
  ranking on a parity with the Series U Preferred Shares without the authorization
  of the holders of the Series U Preferred Shares.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.13.9</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B><B><I>Modifications</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The provisions attaching to the Series U Preferred Shares as a series
  may be repealed, altered, modified or amended from time to time with such approval
  as may then be required by the <I>Canada Business Corporations Act</I>, any
  such approval to be given in accordance with section 3.13.10.</font> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;None of the series provisions of the articles of the Corporation relating
  to the Series U Preferred Shares shall be amended or otherwise changed unless,
  contemporaneously therewith, the series provisions, if any, relating to the
  Series V Preferred Shares are, to the extent deemed required by the Corporation,
  amended or otherwise changed in the same proportion and in the same manner.</font>
</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.13.10</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B><B><I>Approval
  of Holders of Series U Preferred Shares</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;Any approval given by the holders of the Series U Preferred Shares shall
  be deemed to have </font></P>
<P ALIGN="justify">&nbsp;</P>
<hr>
<p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;76&#150;</font></p>
<P ALIGN="justify">&nbsp;</P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">been sufficiently
  given if it shall have been given by the holders of Series U Preferred Shares
  as provided in the provisions attaching to the First Preferred Shares as a class,
  which provisions shall apply <I>mutatis mutandis</I>.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.13.11</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B><B><I>Tax
  Election</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The Corporation shall elect, in the manner and within the time provided
  under the <I>Income Tax Act </I>(Canada), under subsection 191.2(1) of the said
  Act, or any successor or replacement provision of similar effect, and take all
  other necessary action under such Act, to pay tax at a rate such that no holder
  of the Series U Preferred Shares will be required to pay tax on dividends received
  on the Series U Preferred Shares under section 187.2 of Part IV.I of such Act
  or any successor or replacement provision of similar effect.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.13.12</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B><B><I>Mail
  Service Interruption</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;If the Corporation determines that mail service is, or is threatened to
  be, interrupted at the time when the Corporation is required or elects to give
  any notice hereunder by mail, or is required to send any cheque or any share
  certificate to the holder of any Series U Preferred Shares, whether in connection
  with the redemption or conversion of such share or otherwise, the Corporation
  may, notwithstanding the provisions hereof:</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;give such notice by telex, telecopier or telegraph communication or by
  means of publication once in each of two successive weeks in a newspaper of
  general circulation published or distributed in Montr&eacute;al and Toronto
  and such notice shall be deemed to have been given on the date on which such
  telex, telecopier or telegraph communication was given or on the date on which
  the first publication has taken place; and</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;fulfill the requirement to send such cheque or such share certificate
  by arranging for delivery thereof to the principal office of the Corporation
  in Montr&eacute;al, and such cheque and/or certificate shall be deemed to have
  been sent on the date on which notice of such arrangement shall have been given
  as provided in (a) above, provided that as soon as the Corporation determines
  that mail service is no longer interrupted or threatened to be interrupted such
  cheque or share certificate, if not theretofore delivered to such holder, shall
  be sent by ordinary unregistered first class prepaid mail to the registered
  address of each person who at the date of mailing is a registered holder and
  who is entitled to receive such cheque or share certificate, or in the event
  of the address of any such holder not appearing on the securities register of
  the Corporation, then at the last address of such holder known to the Corporation.</FONT>
</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.13.13</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B><B><I>Notice
  of Annual Dividend Rate Applicable to the Series V Preferred Shares</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;Within three (3) business days of the determination of the Annual Dividend
  Rate (as defined in section 3.14.1.1 of the articles of the Corporation relating
  to the Series V Preferred Shares) the Corporation shall give notice thereof
  to the holders of the Series U Preferred Shares by publication once in the national
  edition of the Globe and Mail in the English language and once in the City of
  Montr&eacute;al in both the French and English languages in a daily newspaper
  of general circulation in Montr&eacute;al; provided that if any such newspaper
  is not being generally circulated at that time, such notice shall be published
  in another equivalent publication.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.13.14</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B><B><I>Listing
  of Series U Preferred Shares</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;Upon receipt of a Qualifying Listing Request, the Corporation shall use
  its reasonable best efforts to obtain within 120 days thereafter a conditional
  listing for the Series U Preferred Shares on the Exchange and thereafter, should
  such listing be obtained, to maintain a listing for so long as in the aggregate
  there are at least 1,000,000 Series U Preferred Shares and/or Series V Preferred
  Shares outstanding. For greater certainty, however, the Corporation shall not
  be in breach of its obligations hereunder if the Requesting Holders of such
  Qualifying Listing Request do not sell such number of Series U Preferred Shares
  to such number of holders so as to meet the then listing requirements of the
  Exchange. The Corporation shall pay all fees and costs incidental to obtaining
  and maintaining such listing.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.13.15</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B><B><I>Definitions</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;In the provisions herein contained attaching to the Series U Preferred
  Shares:</font></P>
<P ALIGN="justify">&nbsp;</P>
<hr>
<p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;77&#150;</font></p>
<P ALIGN="justify">&nbsp;</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;accrued and unpaid dividends&#148; means: i) during the Fixed Rate
  Period, the aggregate of (A) all unpaid dividends on the Series U Preferred
  Shares for any Dividend Period and (B) the amount calculated as though dividends
  on each Series U Preferred Share had been accruing on a day-to-day basis from
  and including the date on which the last quarterly dividend was payable to but
  excluding the date to which the computation of accrued dividends is to be made;
  and ii) during the Floating Rate Unlisted Period and the Floating Rate Listed
  Period, the aggregate of (A) all unpaid dividends on the Series U Preferred
  Shares for any Dividend Period and (B) the amount calculated as though dividends
  on each Series U Preferred Share had been accruing on a day-to-day basis from
  and including the first day of the Month immediately following the Dividend
  Period with respect to which the last monthly dividend will be or was, as the
  case may be, payable to but excluding the date to which the computation of accrued
  dividends is to be made; and</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;in priority to&#148;, &#147;on a parity with&#148; and &#147;junior
  to&#148; have reference to the order of priority in payment of dividends and
  in the distribution of assets in the event of any liquidation, dissolution or
  winding up of the Corporation, whether voluntary or involuntary, or other distribution
  of the assets of the Corporation among its shareholders for the purpose of winding
  up its affairs.</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.13.16</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B><B><I>Interpretation</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;In the event that any date on which any dividend on the Series U Preferred
  Shares is payable by the Corporation, or any date on or by which any other action
  is required to be taken by the Corporation or the holders of Series U Preferred
  Shares hereunder, is not a business day (as hereinafter defined), then such
  dividend shall be payable, or such other action shall be required to be taken,
  on or by the next succeeding day that is a business day. A &#147;business day&#148;
  shall be a day other than a Saturday, a Sunday or any other day that is treated
  as a holiday at the Corporation&#146;s principal office in Canada.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B>3.14</B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B><B>Series
  V Preferred Shares</B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;No Series V Preferred Shares shall be issued by the Corporation prior
  to March 1, 2007. The Series V Preferred Shares shall, in addition to the rights,
  privileges, restrictions and conditions attaching to the First Preferred Shares
  as a class, carry and be subject to the following rights, privileges, restrictions
  and conditions:</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.14.1</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B><B><I>Dividend</I></B></FONT></P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.14.1.1</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B><B><I>Definitions</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;For the purposes hereof, the following capitalized terms shall have the
  following meanings, unless the context otherwise requires:</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Annual Dividend Rate&#148; means for any Fixed Dividend Rate Period
  the rate of interest expressed as a percentage per annum (rounded to the nearest
  one-thousandth of one percent (0.001%)) which is equal to the Government of
  Canada Yield multiplied by the Selected Percentage Rate for such Fixed Dividend
  Rate Period;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Dividend Payment Date&#148; means the first day of each of March,
  June, September and December in each year;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Exchange&#148; means The Montreal Exchange or The Toronto Stock
  Exchange;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Fixed Dividend Rate Period&#148; means for the initial Fixed Dividend
  Rate Period, the period commencing on March 1, 2007 and ending on and including
  February 29, 2012, and for each succeeding Fixed Dividend Rate Period, the period
  commencing on the day immediately following the end of the immediately preceding
  Fixed Dividend Rate Period and ending on and including the last day of February
  in the fifth year immediately thereafter;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Government of Canada Yield&#148; on any date shall mean the average
  of the yields determined by two registered Canadian investment dealers, selected
  by the Board of Directors, as being the yield to maturity </FONT></P>
<P ALIGN="justify">&nbsp;</P>
<hr>
<p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;78&#150;</font></p>
<P ALIGN="justify">&nbsp;</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">on such
  date compounded semi-annually and calculated in accordance with generally accepted
  financial practice, which a non-callable Government of Canada Bond would carry
  if issued in Canadian dollars in Canada at 100% of its principal amount on such
  date with a term to maturity of five years;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Qualifying Listing Request&#148; means a request to list the Series
  V Preferred Shares on the Exchange by holders holding together in the aggregate
  at least 3,000,000 Series V Preferred Shares and/or Series U Preferred Shares
  (&#147;Requesting Holders&#148;) who have committed to use all commercially
  reasonable best efforts to sell to unrelated parties through the facilities
  of the Exchange before the applicable Sale Completion Date, such number of Series
  V Preferred Shares and/or Series U Preferred Shares to such number of holders
  so as to meet the then listing requirements of the Exchange (but in any event,
  in the aggregate at least 3,000,000 Series V Preferred Shares and/or Series
  U Preferred Shares), provided that such request may not be made within six (6)
  months of the last Qualifying Listing Request by any holder of Series V Preferred
  Shares and/or Series U Preferred Shares;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(g)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Sale Completion Date&#148; for any Qualifying Listing Request means
  the applicable date after the conditional listing, if obtained, of the Series
  V Preferred Shares on the Exchange pursuant to such request (the &#147;Conditional
  Listing&#148;) determined as follows:</FONT> </P>
<div align="justify">
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(i)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          if during the period commencing with the date of such request and terminating
          30 days from the date of the Conditional Listing, the Corporation announces
          publicly its intention to issue by way of a public offering at least
          $50,000,000 of Substantially Similar Preferred Shares, the applicable
          date shall be 120 days from the date of the Conditional Listing;</FONT>
        </P></TD>
    </TR>
  </TABLE>
  <font size="2" face="Arial, Helvetica, sans-serif"><BR>
  </font>
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(ii)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          (a) if there has occurred an Unusual Event during the period commencing
          with the date of such request and terminating 30 days from the date
          of the Conditional Listing; or (b) in the event the Corporation announces
          publicly its intention to issue Substantially Similar Preferred Shares
          in accordance with section 3.14.1.1(g)(i) hereof during the period commencing
          with a date of such request and terminating 120 days from the date of
          the Conditional Listing and if there has occurred an Unusual Event during
          such period, the applicable date shall be 210 days and 300 days respectively
          from the date of the Conditional Listing; and</FONT> </P></TD>
    </TR>
  </TABLE>
  <font size="2" face="Arial, Helvetica, sans-serif"><BR>
  </font>
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(iii)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="LEFT"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          in all other cases, the applicable date shall be 30 days from the date
          of the Conditional Listing;</FONT> </P></TD>
    </TR>
  </TABLE>
</div>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(h)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Selected Percentage Rate&#148; for each Fixed Dividend Rate Period
  means the rate of interest, expressed as a percentage of the Government of Canada
  Yield, determined by the Board of Directors as set forth in the notice to the
  holders of the Series V Preferred Shares given in accordance with the provisions
  of section 3.14.4.1, which rate of interest shall be not less than 80% of the
  Government of Canada Yield;</FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Substantially Similar Preferred Shares&#148; means preferred shares
  of the Corporation:</font><font size="2" face="Arial, Helvetica, sans-serif">
  </font> </P>
<div align="justify">
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(i)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="LEFT"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          which are of the same class as the Series V Preferred Shares;</FONT>
        </P></TD>
    </TR>
  </TABLE>
  <font size="2" face="Arial, Helvetica, sans-serif"><BR>
  </font>
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(ii)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          the holders of which are entitled to cumulative preferred cash dividends
          payable at a fixed rate for an initial pre-determined period and thereafter
          are entitled to cumulative preferred cash dividends payable at a floating
          rate fixed every five years; and</FONT> </P></TD>
    </TR>
  </TABLE>
  <font size="2" face="Arial, Helvetica, sans-serif"><BR>
  </font>
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(iii)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="LEFT"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          which are convertible into another series of preferred shares of the
          Corporation; and</FONT> </P></TD>
    </TR>
  </TABLE>
</div>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(j)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Unusual Event&#148; for a Sale Completion Date means any event,
  action, state, condition or major financial occurrence of national or international
  consequence or any law or regulation which, in the reasonable opinion of the
  Requesting Holders, seriously adversely affects, or involves, or will seriously
  affect, or involve, the market for the Series U Preferred Shares and/or Series
  V Preferred Shares.</FONT></P>
<P ALIGN="justify">&nbsp;</P>
<hr>
<p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;79&#150;</font></p>
<P ALIGN="justify">&nbsp; </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.14.1.2</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B><B><I>General</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The holders of the Series V Preferred Shares shall be entitled to receive
  fixed, cumulative, preferred cash dividends, as and when declared by the Board
  of Directors, out of moneys of the Corporation properly applicable to the payment
  of dividends, in the amount per share per annum determined by multiplying the
  Annual Dividend Rate by $25.00, payable quarterly in respect of each 12 month
  period on the first day of March, June, September and December by cheque at
  par in lawful money of Canada at any branch in Canada of the Corporation&#146;s
  bankers.</font> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;Dividends declared on the Series V Preferred Shares shall (except in case
  of redemption in which case payment of dividends shall be made on surrender
  of the certificate representing the Series V Preferred Shares to be redeemed)
  be paid by posting in a postage paid envelope addressed to each holder of the
  Series V Preferred Shares at the last address of such holder as it appears on
  the securities register of the Corporation or, in the event of the address of
  any holder not so appearing, then to the address of such holder last known to
  the Corporation, or, in the case of joint holders, to the address of that one
  whose name appears first in the securities register of the Corporation as one
  of such joint holders, a cheque for such dividends (less any tax required to
  be deducted) payable to the order of such holder or, in the case of joint holders,
  to the order of all such holders failing written instructions from them to the
  contrary. Notwithstanding the foregoing, any dividend cheque may be delivered
  by the Corporation to a holder of Series V Preferred Shares at his address as
  aforesaid. The posting or delivery of such cheque shall be deemed to be payment
  and shall satisfy and discharge all liabilities for the payment of such dividends
  to the extent of the sum represented thereby (plus the amount of any tax required
  to be deducted as aforesaid) unless such cheque is not paid on due presentation.</font>
</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.14.1.3</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B><B><I>Calculation
  of Annual Dividend Rate</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The Corporation shall calculate on the 21st day prior to the first day
  of each Fixed Dividend Rate Period the Annual Dividend Rate for each Fixed Dividend
  Rate Period based upon the Selected Percentage Rate and the Government of Canada
  Yield in effect at 10:00 A.M. (Montr&eacute;al time) on the said 21st day prior
  to the first day of each Fixed Dividend Rate Period and give notice thereof:
  (i) within one (1) business day to all stock exchanges in Canada on which the
  Series V Preferred Shares are listed for trading or if the Series V Preferred
  Shares are not listed on a stock exchange in Canada, to the Investment Dealers
  Association of Canada; and (ii) within three (3) business days to, except in
  relation to the initial Fixed Dividend Rate Period, the holders of the Series
  V Preferred Shares by publication once in the national edition of the Globe
  and Mail in the English language and once in the City of Montr&eacute;al in
  both the French and English languages in a daily newspaper of general circulation
  in Montr&eacute;al; provided that if any such newspaper is not being generally
  circulated at that time such notice shall be published in another equivalent
  publication.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.14.2</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B><B><I>Rights
  on Liquidation</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;In the event of the liquidation, dissolution or winding up of the Corporation
  or any other distribution of assets of the Corporation for the purpose of winding
  up its affairs, the holders of the Series V Preferred Shares shall be entitled
  to receive $25.00 per Series V Preferred Share together with all dividends accrued
  and unpaid up to but excluding the date of payment or distribution, before any
  amounts shall be paid or any assets of the Corporation distributed to the holders
  of the Common Shares of the Corporation or any other shares ranking junior to
  the Series V Preferred Shares. Upon payment of such amounts, the holders of
  the Series V Preferred Shares shall not be entitled to share in any further
  distribution of the property or assets of the Corporation.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.14.3</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B><B><I>Redemption
  at the Option of the Corporation</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The Corporation may not redeem any of the Series V Preferred Shares prior
  to March 1, 2012. Subject to applicable law and section 3.14.5 hereof, upon
  giving notice as hereinafter provided, the Corporation may, on March 1, 2012
  or on March 1 in every fifth year thereafter, redeem at any time all, but not
  less than all, the outstanding Series V Preferred Shares on payment of $25.00
  for each such share to be redeemed together with accrued and unpaid dividends
  up to but excluding the date fixed for redemption, the whole constituting the
  redemption price.</font> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The Corporation shall give notice in writing not less than 45 days nor
  more than 60 days prior </font></P>
<P ALIGN="justify">&nbsp;</P>
<hr>
<p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;80&#150;</font></p>
<P ALIGN="justify">&nbsp;</P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">to the date
  on which the redemption is to take place to each person who at the date of giving
  such notice is the holder of Series V Preferred Shares to be redeemed of the
  intention of the Corporation to redeem such shares; such notice shall be given
  by posting the same in a postage paid envelope addressed to each holder of Series
  V Preferred Shares to be redeemed at the last address of such holder as it appears
  on the securities register of the Corporation or, in the event of the address
  of any holder not so appearing, then to the address of such holder last known
  to the Corporation, provided that the accidental failure or omission to give
  any such notices as aforesaid to one or more of such holders shall not affect
  the validity of the redemption as to the other holders of the Series V Preferred
  Shares to be redeemed. Such notice shall set out the number of such Series V
  Preferred Shares held by the person to whom it is addressed which are to be
  redeemed and the redemption price and shall also set out the date on which the
  redemption is to take place, and on and after the date so specified for redemption
  the Corporation shall pay or cause to be paid to the holders of such Series
  V Preferred Shares to be redeemed the redemption price on presentation and surrender
  at any place within Canada designated by such notice, of the certificate or
  certificates for such Series V Preferred Shares so called for redemption; such
  payment shall be made by cheque payable at par at any branch in Canada of the
  Corporation&#146;s bankers; from and after the date specified in any such notice,
  the Series V Preferred Shares called for redemption shall cease to be entitled
  to dividends and the holders thereof shall not be entitled to exercise any of
  the rights of shareholders in respect thereof unless payment of the redemption
  price shall not be duly made by the Corporation; at any time after notice of
  redemption is given as aforesaid, the Corporation shall have the right to deposit
  the redemption price of any or all Series V Preferred Shares called for redemption
  with any chartered bank or banks or with any trust company or trust companies
  in Canada named in the notice of redemption to the credit of a special account
  or accounts in trust for the respective holders of such shares, to be paid to
  them respectively upon surrender to such bank or banks or trust company or trust
  companies of the certificate or certificates representing the same, and upon
  such deposit or deposits being made, such shares shall be redeemed on the redemption
  date specified in the notice of redemption; after the Corporation has made a
  deposit as aforesaid with respect to any shares, the holders thereof shall not,
  from and after the redemption date, be entitled to exercise any of the rights
  of shareholders in respect thereof and the rights of the holders thereof shall
  be limited to receiving the proportion of the amounts so deposited applicable
  to such shares, without interest; any interest allowed on such deposit shall
  belong to the Corporation.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.14.4</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B><B><I>Conversion
  of Series V Preferred Shares</I></B></FONT></P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.14.4.1</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B><B><I>Conversion
  at the Option of the Holder</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;Holders of Series V Preferred Shares shall have the right, at their option,
  on March 1, 2012 and on March 1 in every fifth year thereafter (a &#147;Conversion
  Date&#148;), to convert, subject to the terms and provisions hereof, all or
  any Series V Preferred Shares registered in their name into Series U Preferred
  Shares of the Corporation on the basis of one (1) Series U Preferred Share for
  each Series V Preferred Share. The Corporation shall give notice in writing
  to the then holders of the Series V Preferred Shares of the Selected Percentage
  Rate determined by the Board of Directors to be applicable for the next succeeding
  Fixed Dividend Rate Period and of the conversion right provided for herein;
  such notice shall be given by posting the same in a postage paid envelope addressed
  to each holder of the Series V Preferred Shares at the last address of such
  holder as it appears on the securities register of the Corporation or, in the
  event of the address of any holder not so appearing, then to the address of
  such holder last known to the Corporation. Such notice shall set out the Conversion
  Date and shall be given not less than 45 days nor more than 60 days prior to
  the applicable Conversion Date.</font> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;If the Corporation gives notice as provided in section 3.14.3 to the holders
  of the Series V Preferred Shares of the redemption of all the Series V Preferred
  Shares, the Corporation shall not be required to give notice as provided in
  this section 3.14.4.1 to the holders of the Series V Preferred Shares of a Selected
  Percentage Rate or of the conversion right and the right of any holder of Series
  V Preferred Shares to convert such Series V Preferred Shares as herein provided
  shall cease and terminate in that event.</font> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;Holders of Series V Preferred Shares shall not be entitled to convert
  their shares into Series U Preferred Shares if, following the close of business
  on the 14th day preceding a Conversion Date, the Corporation determines that
  there would remain outstanding on the Conversion Date less than 1,000,000 Series
  U Preferred Shares after taking into account all Series V Preferred Shares tendered
  for conversion into Series U Preferred Shares and all Series U Preferred Shares
  tendered for conversion into Series V Preferred Shares. The Corporation shall
  give notice in writing thereof, in accordance with the provisions of the first
  paragraph of this</font></P>
<p>&nbsp;</p>
<hr>
<p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;81&#150;</font></p>
<P ALIGN="justify">&nbsp;</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">section
  3.14.4.1, to all affected holders of Series V Preferred Shares at least seven
  (7) days prior to the applicable Conversion Date and will issue and deliver,
  or cause to be delivered, prior to such Conversion Date, at the expense of the
  Corporation, to such holders of Series V Preferred Shares, who have surrendered
  for conversion any certificate or certificates representing Series V Preferred
  Shares, new certificates representing the Series V Preferred Shares represented
  by any certificate or certificates surrendered as aforesaid.</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.14.4.2</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Automatic
  Conversion</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;If following the close of business on the 14th day preceding a Conversion
  Date the Corporation determines that there would remain outstanding on the Conversion
  Date less than 1,000,000 Series V Preferred Shares after taking into account
  all Series V Preferred Shares tendered for conversion into Series U Preferred
  Shares and all Series U Preferred Shares tendered for conversion into Series
  V Preferred Shares, then, all, but not part, of the remaining outstanding Series
  V Preferred Shares shall automatically be converted into Series U Preferred
  Shares on the basis of one (1) Series U Preferred Share for each Series V Preferred
  Share on the applicable Conversion Date and the Corporation shall give notice
  in writing thereof, in accordance with the provisions of section 3.14.4.1, to
  the holders of such remaining Series V Preferred Shares at least seven (7) days
  prior to the Conversion Date.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.14.4.3</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Manner
  of Exercise of Conversion Privilege</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The conversion of Series V Preferred Shares may be effected by surrender
  of the certificate or certificates representing the same not earlier than 45
  days prior to a Conversion Date but not later than the close of business on
  the 14th day preceding a Conversion Date during usual business hours at any
  office of any transfer agent of the Corporation at which the Series V Preferred
  Shares are transferable accompanied by: (1) payment or evidence of payment of
  the tax (if any) payable as provided in this section 3.14.3; and (2) a written
  instrument of surrender in form satisfactory to the Corporation duly executed
  by the holder, or his attorney duly authorized in writing, in which instrument
  such holder may also elect to convert part only of the Series V Preferred Shares
  represented by such certificate or certificates not theretofore called for redemption
  in which event the Corporation shall issue and deliver or cause to be delivered
  to such holder, at the expense of the Corporation, a new certificate representing
  the Series V Preferred Shares represented by such certificate or certificates
  which have not been converted.</font> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;In the event the Corporation is required to convert all remaining outstanding
  Series V Preferred Shares into Series U Preferred Shares on the applicable Conversion
  Date as provided for in section 3.14.4.2, the Series V Preferred Shares in respect
  of which the holders have not previously elected to convert, shall be converted
  on the Conversion Date into Series U Preferred Shares and the holders thereof
  shall be deemed to be holders of Series U Preferred Shares at the close of business
  on the Conversion Date and shall be entitled, upon surrender during usual business
  hours at any office of any transfer agent of the Corporation at which the Series
  V Preferred Shares were transferable of the certificate or certificates representing
  Series V Preferred Shares not previously surrendered for conversion, to receive
  a certificate or certificates representing the same number of Series U Preferred
  Shares in the manner and subject to the terms and provisions as provided in
  this section 3.14.3.</font> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;As promptly as practicable after the Conversion Date, the Corporation
  shall issue and deliver, or cause to be delivered to or upon the written order
  of the holder of the Series V Preferred Shares so surrendered, a certificate
  or certificates, issued in the name of, or in such name or names as may be directed
  by, such holder representing the number of fully-paid and non-assessable Series
  U Preferred Shares and the number of remaining Series V Preferred Shares, if
  any, to which such holder is entitled. Such conversion shall be deemed to have
  been made at the close of business on the Conversion Date, so that the rights
  of the holder of such Series V Preferred Shares as the holder thereof shall
  cease at such time and the person or persons entitled to receive Series U Preferred
  Shares upon such conversion shall be treated for all purposes as having become
  the holder or holders of record of such Series U Preferred Shares at such time.</font>
</P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The holder of any Series V Preferred Share on the record date for any
  dividend declared payable on such share shall be entitled to such dividend notwithstanding
  that such share is converted into a Series U Preferred Share after such record
  date and on or before the date of the payment of such dividend.</font> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The issuance of certificates for the Series U Preferred Shares upon the
  conversion of Series V </font></P>
<P ALIGN="justify">&nbsp;</P>
<hr>
<p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;82&#150;</font></p>
<P ALIGN="justify">&nbsp;</P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">Preferred
  Shares shall be made without charge to the converting holders of Series V Preferred
  Shares for any fee or tax in respect of the issuance of such certificates or
  the Series U Preferred Shares represented thereby; provided, however, that the
  Corporation shall not be required to pay any tax which may be imposed upon the
  person or persons to whom such Series U Preferred Shares are issued in respect
  of the issuance of such Series U Preferred Shares or the certificate therefor
  or which may be payable in respect of any transfer involved in the issuance
  and delivery of any such certificate in a name or names other than that of the
  holder of the Series V Preferred Shares converted, and the Corporation shall
  not be required to issue or deliver such certificate unless the person or persons
  requesting the issuance thereof shall have paid to the Corporation the amount
  of such tax or shall have established to the satisfaction of the Corporation
  that such tax has been paid.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.14.4.4</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Status
  of Converted Series V Preferred Shares</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;All Series V Preferred Shares converted into Series U Preferred Shares
  on a Conversion Date shall not be cancelled but shall be restored to the status
  of authorized but unissued shares of the Corporation as at the close of business
  on the Conversion Date.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.14.5</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Restrictions
  on Dividends and Retirement of Shares</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;Without the approval of the holders of outstanding Series V Preferred
  Shares:</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;the Corporation shall not declare, pay or set apart for payment any dividends
  (other than stock dividends payable in shares of the Corporation ranking junior
  to the Series V Preferred Shares) on the Common Shares of the Corporation or
  any other shares of the Corporation ranking junior to the Series V Preferred
  Shares;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;the Corporation shall not redeem, purchase or otherwise retire or make
  any capital distribution on or in respect of the Common Shares of the Corporation
  or any other shares of the Corporation ranking junior to the Series V Preferred
  Shares (except out of the net cash proceeds of a substantially concurrent issue
  of shares of the Corporation ranking junior to the Series V Preferred Shares);</FONT>
</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;the Corporation shall not purchase or otherwise retire less than all of
  the Series V Preferred Shares then outstanding; or</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;the Corporation shall not redeem, purchase or otherwise retire (except
  in connection with the exercise of any retraction privilege or any mandatory
  redemption obligation attaching thereto) any shares of any class or series ranking
  on a parity with the Series V Preferred Shares provided that, for greater certainty,
  the covenant in this clause (d) shall not limit or affect any such action in
  respect of any class of shares ranking in priority to the Series V Preferred
  Shares;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">unless,
  in each such case, all cumulative dividends on outstanding Series V Preferred
  Shares accrued up to and including the dividend payable for the last completed
  period for which dividends were payable shall have been declared and paid.</FONT>
</P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;Any approval of the holders of the Series V Preferred Shares required
  to be given pursuant to this section 3.14.5 may be given in accordance with
  the second paragraph of section 3.14.7 and section 3.14.10. Notwithstanding
  the provisions of section 3.14.10 hereof, any approval required to be given
  pursuant to this section 3.14.5 shall be required to be given only by the affirmative
  vote of the holders of the majority of the Series V Preferred Shares present
  or represented at a meeting or adjourned meeting, of the holders of Series V
  Preferred Shares duly called for the purpose and at which a quorum is present.</font>
</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.14.6</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Purchase
  for Cancellation</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The Corporation may at any time purchase for cancellation the whole or
  any part of the Series V Preferred Shares outstanding from time to time, in
  the open market through or from an investment dealer or any firm holding membership
  on a recognized stock exchange, or by private agreement or otherwise, at the
  lowest price or prices at which in the opinion of the Board of Directors such
  shares are obtainable.</font> </P>
<P ALIGN="justify">&nbsp;</P>
<hr>
<p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;83&#150;</font></p>
<P ALIGN="justify">&nbsp;</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.14.7</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Voting
  Rights</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;If the Corporation falls to pay eight (8) dividends on the Series V Preferred
  Shares, whether or not consecutive, the holders of the Series V Preferred Shares
  shall have the right to receive notice of, and to attend, each meeting of shareholders
  of the Corporation which takes place more than 60 days after the date on which
  the failure first occurs (other than a separate meeting of the holders of another
  series or class of shares) and such holders shall also have the right, at any
  such meeting, to one (1) vote for each Series V Preferred Share held, until
  all such arrears of dividends on the Series V Preferred Shares shall have been
  paid whereupon such rights shall cease unless and until the same default shall
  again arise under the provisions of this section 3.14.7.</font> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;In connection with any actions to be taken by the Corporation which require
  the approval of the holders of the Series V Preferred Shares voting as a series
  or as part of a class, each Series V Preferred Share shall entitle the holder
  thereof to one (1) vote for such purpose.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.14.8</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Issue
  of Additional Preferred Shares</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The Corporation may issue additional series of First Preferred Shares
  ranking on a parity with the Series V Preferred Shares without the authorization
  of the holders of the Series V Preferred Shares.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.14.9</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Modifications</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The provisions attaching to the Series V Preferred Shares as a series
  may be repealed, altered, modified or amended from time to time with such approval
  as may then be required by the <I>Canada Business Corporations Act</I>, any
  such approval to be given in accordance with section 3.14.10.</font> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;None of the series provisions of the articles of the Corporation relating
  to the Series V Preferred Shares shall be amended or otherwise changed unless,
  contemporaneously therewith, the series provisions, if any, relating to the
  Series U Preferred Shares are, to the extent deemed required by the Corporation,
  amended or otherwise changed in the same proportion and in the same manner.</font>
</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.14.10</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Approval
  of Holders of Series V Preferred Shares</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;Any approval given by the holders of the Series V Preferred Shares shall
  be deemed to have been sufficiently given if it shall have been given by the
  holders of Series V Preferred Shares as provided in the provisions attaching
  to the First Preferred Shares as a class, which provisions shall apply <I>mutatis
  mutandis</I>.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.14.11</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Tax
  Election</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The Corporation shall elect, in the manner and within the time provided
  under the <I>Income Tax Act </I>(Canada), under subsection 191.2(1) of the said
  Act, or any successor or replacement provision of similar effect, and take all
  other necessary action under such Act, to pay tax at a rate such that no holder
  of the Series V Preferred Shares will be required to pay tax on dividends received
  on the Series V Preferred Shares under section 187.2 of Part IV.I of such Act
  or any successor or replacement provision of similar effect.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.14.12</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Mail
  Service Interruption</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;If the Corporation determines that mail service is, or is threatened to
  be, interrupted at the time when the Corporation is required or elects to give
  any notice hereunder by mail, or is required to send any cheque or any share
  certificate to the holder of any Series V Preferred Shares, whether in connection
  with the redemption or conversion of such share or otherwise, the Corporation
  may, notwithstanding the provisions hereof:</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;give such notice by telex, telecopier or telegraph communication or by
  means of publication once in each of two successive weeks in a newspaper of
  general circulation published or distributed in Montr&eacute;al and Toronto
  and such notice shall be deemed to have been given on the date on which such
  telex, telecopier or telegraph communication was given or on the date on which
  the first publication has taken place; and</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;fulfill the requirement to send such cheque or such share certificate
  by arranging for delivery </FONT></P>
<P ALIGN="justify">&nbsp;</P>
<hr>
<p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;84&#150;</font></p>
<P ALIGN="justify">&nbsp;</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">thereof
  to the principal office of the Corporation in Montr&eacute;al, and such cheque
  and/or certificate shall be deemed to have been sent on the date on which notice
  of such arrangement shall have been given as provided in (a) above, provided
  that as soon as the Corporation determines that mail service is no longer interrupted
  or threatened to be interrupted such cheque or share certificate, if not theretofore
  delivered to such holder, shall be sent by ordinary unregistered first class
  prepaid mail to the registered address of each person who at the date of mailing
  is a registered holder and who is entitled to receive such cheque or share certificate,
  or in the event of the address of any such holder not appearing on the securities
  register of the Corporation, then at the last address of such holder known to
  the Corporation.</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.14.13</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Listing
  of Series V Preferred Shares</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;Upon receipt of a Qualifying Listing Request, the Corporation shall use
  its reasonable best efforts to obtain within 120 days thereafter a conditional
  listing for the Series V Preferred Shares on the Exchange and thereafter, should
  such listing be obtained, to maintain a listing for so long as in the aggregate
  there are at least 1,000,000 Series V Preferred Shares and/or Series U Preferred
  Shares outstanding. For greater certainty, however, the Corporation shall not
  be in breach of its obligations hereunder if the Requesting Holders of such
  Qualifying Listing Request do not sell such number of Series V Preferred Shares
  to such number of holders so as to meet the then listing requirements of the
  Exchange The Corporation shall pay all fees and costs incidental to obtaining
  and maintaining such listing.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.14.14</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Definitions</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;In the provisions herein contained attaching to the Series V Preferred
  Shares:</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;accrued and unpaid dividends&#148; means the aggregate of: (i) all
  unpaid dividends on the Series V Preferred Shares for any quarterly period;
  and (ii) the amount calculated as though dividends on each Series V Preferred
  Share had been accruing on a day-to-day basis from and including the date on
  which the last quarterly dividend was payable to but excluding the date to which
  the computation of accrued dividends is to be made; and</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;in priority to&#148;, &#147;on a parity with&#148; and &#147;junior
  to&#148; have reference to the order of priority in payment of dividends and
  in the distribution of assets in the event of any liquidation, dissolution or
  winding up of the Corporation, whether voluntary or involuntary, or other distribution
  of the assets of the Corporation among its shareholders for the purpose of winding
  up its affairs.</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.14.15</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Interpretation</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;In the event that any date on which any dividend on the Series V Preferred
  Shares is payable by the Corporation, or any date on or by which any other action
  is required to be taken by the Corporation or the holders of Series V Preferred
  Shares hereunder, is not a business day (as hereinafter defined), then such
  dividend shall be payable, or such other action shall be required to be taken,
  on or by the next succeeding day that is a business day. A &#147;business day&#148;
  shall be a day other than a Saturday, a Sunday or any other day that is treated
  as a holiday at the Corporation&#146;s principal office in Canada.<br>
  </font></P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B>3.15</B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>Series
  W Preferred Shares</B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The Series W Preferred Shares shall, in addition to the rights, privileges,
  restrictions and conditions attaching to the First Preferred Shares as a class,
  carry and be subject to the following rights, privileges, restrictions and conditions:</font>
</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.15.1</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Dividend</I></B></FONT></P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.15.1.1</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Definitions</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;For the purposes hereof, the following capitalized terms shall have the
  following meanings, unless the context otherwise requires:</font> </P>
<P ALIGN="justify">&nbsp;</P>
<hr>
<p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;85&#150;</font></p>
<P ALIGN="justify">&nbsp;</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Adjustment Factor&#148; for any Month means the percentage per annum,
  positive or negative, based on the Calculated Trading Price of the Series W
  Preferred Shares for the preceding Month, determined in accordance with the
  following table:</FONT></P>
<table width="75%" border="0" align="center">
  <tr>
    <td width="60%"><div align="center"><font size="2" face="Arial, Helvetica, sans-serif"><u>If
        Calculated Trading</u></font></div></td>
    <td width="40%"><div align="center"><font size="2" face="Arial, Helvetica, sans-serif"><u>The
        Adjustment Factor as a</u></font></div></td>
  </tr>
  <tr>
    <td width="60%"><div align="center"><font size="2" face="Arial, Helvetica, sans-serif"><u>Price
        Is</u></font></div></td>
    <td width="40%"><div align="center"><font size="2" face="Arial, Helvetica, sans-serif"><u>Percentage
        of Prime Shall Be</u></font></div></td>
  </tr>
  <tr>
    <td width="60%"><font size="2" face="Arial, Helvetica, sans-serif">$25.50
      or more</font></td>
    <td width="40%"><div align="center"><font size="2" face="Arial, Helvetica, sans-serif">-4.00%
        </font></div></td>
  </tr>
  <tr>
    <td width="60%"><font size="2" face="Arial, Helvetica, sans-serif">$25.375
      and less than $25.50</font></td>
    <td width="40%"><div align="center"><font size="2" face="Arial, Helvetica, sans-serif">-3.00%
        </font></div></td>
  </tr>
  <tr>
    <td width="60%"><font size="2" face="Arial, Helvetica, sans-serif">$25.25
      and less than $25.375</font></td>
    <td width="40%"><div align="center"><font size="2" face="Arial, Helvetica, sans-serif">-2.00%
        </font></div></td>
  </tr>
  <tr>
    <td width="60%"><font size="2" face="Arial, Helvetica, sans-serif">$25.125
      and less than $25.25</font></td>
    <td width="40%"><div align="center"><font size="2" face="Arial, Helvetica, sans-serif">-1.00%</font></div></td>
  </tr>
  <tr>
    <td width="60%"><font size="2" face="Arial, Helvetica, sans-serif">Greater
      than $24.875 and less than $25.125</font></td>
    <td width="40%"><div align="center"><font size="2" face="Arial, Helvetica, sans-serif">Nil</font></div></td>
  </tr>
  <tr>
    <td width="60%"><font size="2" face="Arial, Helvetica, sans-serif">Greater
      than $24.75 to $24.875</font></td>
    <td width="40%"><div align="center"><font size="2" face="Arial, Helvetica, sans-serif">1.00%</font></div></td>
  </tr>
  <tr>
    <td width="60%"><font size="2" face="Arial, Helvetica, sans-serif">Greater
      than $24.625 to $24.75</font></td>
    <td width="40%"><div align="center"><font size="2" face="Arial, Helvetica, sans-serif">2.00%</font></div></td>
  </tr>
  <tr>
    <td width="60%"><font size="2" face="Arial, Helvetica, sans-serif">Greater
      than $24.50 to $24.625</font></td>
    <td width="40%"><div align="center"><font size="2" face="Arial, Helvetica, sans-serif">3.00%</font></div></td>
  </tr>
  <tr>
    <td width="60%"><font size="2" face="Arial, Helvetica, sans-serif">$24.50
      or less</font></td>
    <td width="40%"><div align="center"><font size="2" face="Arial, Helvetica, sans-serif">4.00%</font></div></td>
  </tr>
</table>
<P ALIGN="center"><font size="2" face="Arial, Helvetica, sans-serif">The maximum
  Adjustment Factor for any Month will be +/-4.00%.</font> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;If in any Month there is no trade on the Exchange of Series W Preferred
  Shares of a board lot or more, the Adjustment Factor for the following Month
  shall be nil;</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Annual Dividend Rate&#148; means the Annual Fixed Dividend Rate,
  the Annual Floating Unlisted Dividend Rate or the Annual Floating Listed Dividend
  Rate, whichever is provided by this section 3.15.1 to be applicable at the relevant
  time;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Annual Fixed Dividend Rate&#148; means 5.45% per annum;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Annual Floating Unlisted Dividend Rate&#148; for any Month during
  the Floating Rate Unlisted Period means the rate of interest expressed as a
  percentage per annum (rounded to the nearest one-thousandth of one percent (0.001%))
  which is equal to the Bankers&#146; Acceptance Rate for such Month plus 0.40%;</FONT>
</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Annual Floating Listed Dividend Rate&#148; for any Month during
  the Floating Rate Listed Period means the rate of interest expressed as a percentage
  per annum (rounded to the nearest one-thousandth of one percent (0.001 %)) which
  is equal to Prime multiplied by the Designated Percentage for such Month;</FONT>
</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Bankers&#146; Acceptance Rate&#148; for any Month means the rate
  per annum equal to:</FONT> </P>
<div align="justify">
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(i)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          the simple average (rounded to the nearest one-hundredth of one percent
          (0.01 %)) of the rates per annum quoted by both Dealers where such rates
          per annum, quoted by such Dealers, are equal to the simple average (rounded
          to the nearest one-hundredth of one percent (0.01%) of the bid and ask
          rates of the yields to maturity quoted by each of the Dealers (rounded
          upward to the nearest one-thousandth of one percent (0.001%)), as at
          10:00 a.m., Montr&eacute;al time, on the Bankers&#146; Acceptance Determination
          Date, on 30-day bankers&#146; acceptances accepted by such of Bank of
          Montreal, The Toronto-Dominion Bank, Canadian Imperial Bank of Commerce,
          Royal Bank of Canada and The Bank of Nova Scotia (or their respective
          successors) as are accepting 30-day bankers&#146; acceptances on such
          date;</FONT> </P></TD>
    </TR>
  </TABLE>
  <font size="2" face="Arial, Helvetica, sans-serif"><BR>
  </font>
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(ii)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          in the event one of the Dealers is unable or does not for any reason
          quote the bid and ask rates per annum referred to in section 3.15.1.1(f)(i)
          above as at 10:00 a.m., Montr&eacute;al time on the Bankers&#146; Acceptance
          Determination Date, such rate shall be the simple average rounded to
          the nearest one-hundredth of one percent (0.01%) of the bid and ask
          rates per annum on such date quoted by the other; or</FONT> </P></TD>
    </TR>
  </TABLE>
  <font size="2" face="Arial, Helvetica, sans-serif"><BR>
  </font>
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(iii)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          in the event that both Dealers are unable to or do not for any reason
          quote rates, as at 10:00 a.m., Montr&eacute;al time, on the Bankers&#146;
          Acceptance Determination Date (including without limitation, where none
          of Bank of Montreal, The Toronto-Dominion Bank, Canadian Imperial Bank
          of Commerce, Royal Bank of Canada or The Bank of Nova Scotia is accepting
          30-day bankers&#146; acceptances on such Bankers&#146; </FONT></P></TD>
    </TR>
  </TABLE>
  <p><font size="2" face="Arial, Helvetica, sans-serif"><BR>
    </font></p>
  <hr>
  <p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;86&#150;</font></p>
  <p>&nbsp;</p>
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%">&nbsp;</TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          Acceptance Determination Date) for the purpose of determining the Bankers&#146;
          Acceptance Rate in accordance with (i) or (ii) above, such rate shall
          be 0.2% plus the simple average (rounded to the nearest one-hundredth
          of one percent (0.01%)) of each rate per annum which is equal to the
          simple average (rounded to the nearest one-hundredth of one percent
          (0.01%)) of the bid and ask rates of the yields to maturity quoted by
          each of the Dealers (rounded upward to the nearest one-thousandth of
          one percent (0.001%)) as of 10:00 a.m., Montr&eacute;al time on such
          Bankers&#146; Acceptance Determination Date, on Government of Canada
          Treasury Bills maturing as nearly as possible 30 days from such Bankers&#146;
          Acceptance Determination Date;</FONT> </P></TD>
    </TR>
  </TABLE>
  <p><FONT size="2" FACE="Arial, Helvetica, sans-serif">(g)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    &nbsp;&#147;Bankers&#146; Acceptance Determination Date&#148; for any Month
    means the last business day immediately preceding such Month;</FONT> </p>
</div>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(h)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Banks&#148; means any two of Royal Bank of Canada, Bank of Montreal,
  The Bank of Nova Scotia, The Toronto-Dominion Bank and Canadian Imperial Bank
  of Commerce and any successor of any of them as may be designated from time
  to time by the Board of Directors by notice given to the transfer agent for
  the Series W Preferred Shares, such notice to take effect on, and to be given
  at least two (2) business days prior to, the commencement of a particular Dividend
  Period and, until such notice is first given, means Royal Bank of Canada and
  The Toronto-Dominion Bank;</FONT> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">(i)</font><FONT size="2" FACE="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</FONT><font size="2" face="Arial, Helvetica, sans-serif">&#147;Calculated
  Trading Price&#148; for any Month means:</font><font size="2" face="Arial, Helvetica, sans-serif">
  </font> </P>
<div align="justify">
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(i)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="LEFT"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          the aggregate of the Daily Adjusted Trading Value for all Trading Days
          in such Month;</FONT> </P></TD>
    </TR>
  </TABLE>
  <p><font size="2" face="Arial, Helvetica, sans-serif"> &nbsp;&nbsp;&nbsp;divided
    by</font> </p>
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(ii)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="LEFT"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          the aggregate of the Daily Trading Volume for all Trading Days in such
          Month;</FONT> </P></TD>
    </TR>
  </TABLE>
  <font size="2" face="Arial, Helvetica, sans-serif"> </font> </div>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(j)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Daily Accrued Dividend Deduction&#148; for any Trading Day means:</FONT>
</P>
<div align="justify">
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(i)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          the product obtained by multiplying the dividend accrued on a Series
          W Preferred Share in respect of the Month in which the Trading Day falls
          by the number of days elapsed from but excluding the day prior to the
          Ex-Dividend Date immediately preceding such Trading Day to and including
          such Trading Day (or if such Trading Day is an Ex-Dividend Date, by
          one (1) day);</FONT> </P></TD>
    </TR>
  </TABLE>
  <p><font size="2" face="Arial, Helvetica, sans-serif"> &nbsp;&nbsp;&nbsp;divided
    by</font></p>
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(ii)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="LEFT"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          the number of days from and including such Ex-Dividend Date to but excluding
          the following Ex-Dividend Date;</FONT> </P></TD>
    </TR>
  </TABLE>
  <font size="2" face="Arial, Helvetica, sans-serif"> </font> </div>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(k)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Daily Adjusted Trading Value&#148; for any Trading Day means:</FONT>
</P>
<div align="justify">
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(i)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          the aggregate dollar value of all transactions of Series W Preferred
          Shares on the Exchange (made on the basis of the normal settlement period
          in effect on the Exchange) occurring during such Trading Day;</FONT>
        </P></TD>
    </TR>
  </TABLE>
  <p><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;</font><font size="2" face="Arial, Helvetica, sans-serif">less</font></p>
</div>
<div align="justify">
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(ii)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="LEFT"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          the Daily Trading Volume for such Trading Day multiplied by the Daily
          Accrued Dividend Deduction for such Trading Day;</FONT> </P></TD>
    </TR>
  </TABLE>
  <font size="2" face="Arial, Helvetica, sans-serif"> </font> </div>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(l)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Daily Trading Volume&#148; for any Trading Day means the aggregate
  number of Series W Preferred Shares traded in all transactions (made on the
  basis of the normal settlement period in effect on the Exchange) occurring during
  such Trading Day on the Exchange;</FONT> </P>
<P ALIGN="justify">&nbsp;</P>
<hr>
<p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;87&#150;</font></p>
<p>&nbsp;</p>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(m)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Dealers&#148; for any Bankers&#146; Acceptance Rate means RBC Dominion
  Securities Inc., and any successor thereto, and TD Securities Inc., and any
  successor thereto;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(n)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Deemed Record Date&#148; means the last Trading Day of a Month with
  respect to which no dividend is declared by the Board of Directors;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(o)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Designated Percentage&#148; for the Month of September, 2007 means
  eighty percent (80%) and for each Month thereafter means the Adjustment Factor
  for such Month plus the Designated Percentage for the preceding Month, provided
  that the Annual Floating Listed Dividend Rate for any Month shall in no event
  be less than 50% of Prime for such Month or more than 100% of Prime for such
  Month;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(p)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Dividend Payment Date&#148; means:</FONT> </P>
<div align="justify">
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(i)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="LEFT"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          during the Fixed Rate Period, the first day of each of March, June,
          September and December in each year;</FONT> </P></TD>
    </TR>
  </TABLE>
  <font size="2" face="Arial, Helvetica, sans-serif"><BR>
  </font>
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(ii)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="LEFT"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          during the Floating Rate Unlisted Period, the 12th day of each Month
          commencing with the Month of October, 2007; and</FONT> </P></TD>
    </TR>
  </TABLE>
  <font size="2" face="Arial, Helvetica, sans-serif"><BR>
  </font>
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(iii)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          during the Floating Rate Listed Period, the 12th day of each Month commencing
          with the first full calendar month following listing of the Series W
          Preferred Shares on the Exchange;</FONT> </P></TD>
    </TR>
  </TABLE>
  <font size="2" face="Arial, Helvetica, sans-serif"><BR>
  &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;and the first Dividend Payment
  Date shall be December 1, 1997; </font> </div>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(q)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Dividend Period&#148; means:</FONT> </P>
<div align="justify">
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(i)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          during the Fixed Rate Period, the period from and including a Dividend
          Payment Date to but not including the next succeeding Dividend Payment
          Date; and</FONT> </P></TD>
    </TR>
  </TABLE>
  <font size="2" face="Arial, Helvetica, sans-serif"><BR>
  </font>
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(ii)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="LEFT"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          during the Floating Rate Unlisted Period and the Floating Rate Listed
          Period, a Month;</FONT> </P></TD>
    </TR>
  </TABLE>
</div>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(r)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Ex-Dividend Date&#148; means:</FONT> </P>
<div align="justify">
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(i)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          the Trading Day which, under the rules or normal practices of the Exchange,
          is designated or recognized as the ex-dividend date relative to any
          dividend record date for the Series W Preferred Shares; or</FONT> </P></TD>
    </TR>
  </TABLE>
  <font size="2" face="Arial, Helvetica, sans-serif"><BR>
  </font>
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(ii)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          if the Board of Directors fails to declare a dividend in respect of
          a Month, the Trading Day which, under the rules or normal practices
          of the Exchange, would be recognized as the Ex-Dividend Date relative
          to any Deemed Record Date for the Series W Preferred Shares;</FONT>
        </P></TD>
    </TR>
  </TABLE>
</div>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(s)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Exchange&#148;, for purposes of the definition of the terms &#147;Daily
  Adjusted Trading Value&#148;, &#147;Daily Trading Volume&#148;, &#147;Ex-Dividend
  Date&#148; and &#147;Trading Day&#148; and for purposes of determining the Adjustment
  Factor, means The Montreal Exchange or The Toronto Stock Exchange or such other
  exchange or trading market in Canada as may be determined from time to time
  by the Corporation as being the principal trading market for the Series W Preferred
  Shares, and for all other purposes herein, means The Montreal Exchange or the
  Toronto Stock Exchange;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(t)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Fixed Rate Period&#148; means the period commencing with the date
  of issue of the Series W Preferred Shares and ending on and including August
  31, 2007;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(u)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Floating Rate Unlisted Period&#148; means the period commencing
  immediately after the end of the Fixed Rate Period, if at such time the Series
  W Preferred Shares are not unconditionally listed on the Exchange, and continuing
  until and including the last day of the Month, if any, in which the Series W
  Preferred </FONT></P>
<P ALIGN="justify">&nbsp;</P>
<hr>
<p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;88&#150;</font></p>
<p>&nbsp;</p>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">Shares are
  unconditionally listed on the Exchange;</FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">(v)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Floating Rate Listed Period&#148; means the period commencing on
  and including the later of:</font> <font size="2" face="Arial, Helvetica, sans-serif">
  </font> </P>
<div align="justify">
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(i)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="LEFT"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          September 1, 2007; and</FONT> </P></TD>
    </TR>
  </TABLE>
  <font size="2" face="Arial, Helvetica, sans-serif"><BR>
  </font>
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(ii)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          the first day of the Month following the date, if any, in which the
          Series W Preferred Shares are unconditionally listed on the Exchange;</FONT>
        </P></TD>
    </TR>
  </TABLE>
</div>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(w)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Month&#148; means a calendar month;</FONT></P>
<div align="justify"><font size="2" face="Arial, Helvetica, sans-serif">(x)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;"Prime" for a Month means the average (rounded to the nearest one-thousandth
  of one percent (0.001 %)) of the Prime Rate in effect on each day of such Month;
  </font> </div>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(y)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Prime Rate&#148; for any day means the average (rounded to the nearest
  one-thousandth of one percent (0.001 %)) of the annual rates of interest announced
  from time to time by the Banks as the reference rates then in effect for such
  day for determining interest rates on Canadian dollar commercial loans made
  to prime commercial borrowers in Canada. If one of the Banks does not have such
  an interest rate in effect on a day, the Prime Rate for such day shall be such
  interest rate in effect for that day of the other Bank; if both Banks do not
  have such an interest rate in effect on a day, the Prime Rate for that day shall
  be equal to one and a half percent (1.5%) per annum plus the average yield expressed
  as a percentage per annum on 91-day Government of Canada Treasury Bills, as
  reported by the Bank of Canada, for the weekly tender for the week immediately
  preceding that day; and if both of such Banks do not have such an interest rate
  in effect on a day and the Bank of Canada does not report such average yield
  per annum, the Prime Rate for that day shall be equal to the Prime Rate for
  the next preceding day. The Prime Rate and Prime shall be determined from time
  to time by an officer of the Corporation from quotations supplied by the Banks
  or otherwise publicly available. Such determination shall, in the absence of
  manifest error, be final and binding upon the Corporation and upon all holders
  of Series W Preferred Shares;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(z)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Qualifying Listing Request&#148; means a request to list the Series
  W Preferred Shares on the Exchange by holders holding together in the aggregate
  at least 2,800,000 Series W Preferred Shares and/or Series X Preferred Shares
  (&#147;Requesting Holders&#148;) who have committed to use all commercially
  reasonable best efforts to sell to unrelated parties through the facilities
  of the Exchange before the applicable Sale Completion Date, such number of Series
  W Preferred Shares and/or Series X Preferred Shares to such number of holders
  so as to meet the then listing requirements of the Exchange (but in any event,
  in the aggregate at least 2,800,000 Series W Preferred Shares and/or Series
  X Preferred Shares), provided that such request may not be made before July
  17, 2000, and may not be made within six (6) months of the last Qualifying Listing
  Request by any holder of Series W Preferred Shares and/or Series X Preferred
  Shares;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(aa)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Sale Completion Date&#148; for any Qualifying Listing Request means
  the applicable date after the conditional listing, if obtained, of the Series
  W Preferred Shares on the Exchange pursuant to such request (the &#147;Conditional
  Listing&#148;) determined as follows:</FONT> </P>
<div align="justify">
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(i)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          if during the period commencing with the date of such request and terminating
          30 days from the date of the Conditional Listing, the Corporation announces
          publicly its intention to issue by way of a public offering at least
          $50,000,000 of Substantially Similar Preferred Shares, the applicable
          date shall be 120 days from the date of the Conditional Listing;</FONT>
        </P></TD>
    </TR>
  </TABLE>
  <font size="2" face="Arial, Helvetica, sans-serif"><BR>
  </font>
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(ii)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          (a) if there has occurred an Unusual Event during the period commencing
          with the date of such request and terminating 30 days from the date
          of the Conditional Listing; or (b) in the event the Corporation announces
          publicly its intention to issue Substantially Similar Preferred Shares
          in accordance with section 3.15.1.1(aa)(i) hereof during the period
          commencing with a date of such request and terminating 120 days from
          the date of the Conditional Listing and if there has occurred an Unusual
          Event during such period, the applicable date shall be 210 days and
          300 days respectively from the date of the Conditional Listing; and</FONT>
        </P></TD>
    </TR>
  </TABLE>
  <p>&nbsp;</p>
  <hr>
  <p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;89&#150;</font></p>
  <p>&nbsp;</p>
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(iii)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="LEFT"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          in all other cases, the applicable date shall be 30 days from the date
          of the Conditional Listing;</FONT> </P></TD>
    </TR>
  </TABLE>
</div>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(bb)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Substantially Similar Preferred Shares&#148; shall mean preferred
  shares of the Corporation:</FONT> </P>
<div align="justify">
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(i)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="LEFT"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          which are of the same class as the Series W Preferred Shares;</FONT>
        </P></TD>
    </TR>
  </TABLE>
  <font size="2" face="Arial, Helvetica, sans-serif"><BR>
  </font>
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(ii)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          the holders of which are entitled to cumulative preferred cash dividends
          payable at a fixed rate for an initial pre-determined period and thereafter
          are entitled to cumulative preferred cash dividends payable at a floating
          rate fixed every five years; and</FONT> </P></TD>
    </TR>
  </TABLE>
  <font size="2" face="Arial, Helvetica, sans-serif"><BR>
  </font>
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(iii)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="LEFT"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          which are convertible into another series of preferred shares of the
          Corporation;</FONT> </P></TD>
    </TR>
  </TABLE>
</div>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(cc)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Trading Day&#148; means, if the Exchange is a stock exchange in
  Canada, a day on which the Exchange is open for trading or, in any other case,
  a business day; and</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(dd)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Unusual Event&#148; for a Sale Completion Date means any event,
  action, state, condition or major financial occurrence of national or international
  consequence, or any law or regulation which, in the reasonable opinion of the
  Requesting Holders, seriously adversely affects, or involves, or will seriously
  affect, or involve, the market for the Series W Preferred Shares and/or Series
  X Preferred Shares.</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.15.1.2</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>General</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The holders of the Series W Preferred Shares shall be entitled to receive
  cumulative preferred cash dividends, as and when declared by the Board of Directors,
  out of moneys of the Corporation properly applicable to the payment of dividends,
  at the rates and times herein provided. Dividends on the Series W Preferred
  Shares shall accrue on a daily basis from and including the date of issue thereof,
  and shall be payable quarterly during the Fixed Rate Period and monthly during
  the Floating Rate Unlisted Period and the Floating Rate Listed Period. Payment
  of the dividend on the Series W Preferred Shares payable on any Dividend Payment
  Date (less any tax required to be deducted) shall be made by cheque at par in
  lawful money of Canada payable at any branch in Canada of the Corporation&#146;s
  bankers.</font> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;Dividends declared on the Series W Preferred Shares shall (except in case
  of redemption in which case payment of dividends shall be made on surrender
  of the certificate representing the Series W Preferred Shares to be redeemed)
  be paid by posting in a postage paid envelope addressed to each holder of the
  Series W Preferred Shares at the last address of such holder as it appears on
  the securities register of the Corporation or, in the event of the address of
  any holder not so appearing, then to the address of such holder last known to
  the Corporation, or, in the case of joint holders, to the address of that one
  whose name appears first in the securities register of the Corporation as one
  of such joint holders, a cheque for such dividends (less any tax required to
  be deducted) payable to the order of such holder or, in the case of joint holders,
  to the order of all such holders failing written instructions from them to the
  contrary. Notwithstanding the foregoing, any dividend cheque may be delivered
  by the Corporation to a holder of Series W Preferred Shares at his address as
  aforesaid. The posting or delivery of such cheque shall be deemed to be payment
  and shall satisfy and discharge all liabilities for the payment of such dividends
  to the extent of the sum represented thereby (plus the amount of any tax required
  to be deducted as aforesaid) unless such cheque is not paid on due presentation.</font>
</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.15.1.3</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Fixed
  Rate Period</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;During the Fixed Rate Period, the dividends in respect of the Series W
  Preferred Shares shall be payable quarterly at the Annual Fixed Dividend Rate.
  Accordingly, on each Dividend Payment Date during the Fixed Rate Period, other
  than December 1, 1997, but including September 1, 2007, the dividend payable
  shall be $0.340625 per Series W Preferred Share. Notwithstanding the foregoing,
  the amount of the first quarterly dividend payable on each Series W Preferred
  Share on December 1, 1997, shall be $0.5114 per share.</font> </P>
<P ALIGN="justify">&nbsp;</P>
<hr>
<p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;90&#150;</font></p>
<p>&nbsp;</p>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.15.1.4</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Floating
  Rate Unlisted Period</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;During the Floating Rate Unlisted Period, the dividends in respect of
  the Series W Preferred Shares shall be payable monthly at the Annual Floating
  Unlisted Dividend Rate as calculated from time to time. Accordingly, on each
  Dividend Payment Date during the Floating Rate Unlisted Period, the dividend
  payable on the Series W Preferred Shares shall be that amount (rounded to the
  nearest one-thousandth of one cent ($0.00001) obtained by multiplying $25.00
  by the Annual Floating Unlisted Dividend Rate applicable to the Month preceding
  such Dividend Payment Date and by dividing the product by twelve. The record
  date for the purpose of determining holders of Series W Preferred Shares entitled
  to receive dividends on each Dividend Payment Date during the Floating Rate
  Unlisted Period shall be the last Trading Day of the next preceding Month. In
  the event of the redemption or purchase of the Series W Preferred Shares during
  the Floating Rate Unlisted Period or the distribution of the assets of the Corporation
  during the Floating Rate Unlisted Period as contemplated by section 3.15.2 hereof,
  the amount of the dividend which has accrued during the Month in which such
  redemption, purchase or distribution occurs shall be the amount (rounded to
  the nearest one-thousandth of one cent ($0.00001)) calculated by multiplying:</font>
</P>
<div align="justify">
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(i)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="LEFT"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          the amount obtained by multiplying $25.00 by one-twelfth (1/12) of the
          Annual Floating Unlisted Dividend Rate applicable to the preceding Month;
          by</FONT> </P></TD>
    </TR>
  </TABLE>
  <font size="2" face="Arial, Helvetica, sans-serif"><BR>
  </font>
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(ii)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          a fraction of which the numerator is the number of days elapsed in the
          Month in which such redemption, purchase or distribution occurs up to
          but not including the date of such event and the denominator of which
          is the number of days in that Month.</FONT> </P></TD>
    </TR>
  </TABLE>
</div>
<P ALIGN="justify"><FONT SIZE="2" face="Arial, Helvetica, sans-serif"><B><I>3.15.1.5</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Floating
  Rate Listed Period</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;During the Floating Rate Listed Period, the dividends in respect of the
  Series W Preferred Shares shall be payable monthly at the Annual Floating Listed
  Dividend Rate as calculated from time to time. Accordingly, on each Dividend
  Payment Date during the Floating Rate Listed Period, the dividend payable on
  the Series W Preferred Shares shall be that amount (rounded to the nearest one-thousandth
  of one cent ($0.00001)) obtained by multiplying $25.00 by the Annual Floating
  Listed Dividend Rate applicable to the Month preceding such Dividend Payment
  Date and by dividing the product by twelve. The record date for the purpose
  of determining holders of Series W Preferred Shares entitled to receive dividends
  on each Dividend Payment Date during the Floating Rate Listed Period shall be
  the last Trading Day of the next preceding Month. In the event of the redemption
  or purchase of the Series W Preferred Shares during the Floating Rate Listed
  Period or the distribution of the assets of the Corporation during the Floating
  Rate Listed Period as contemplated by section 3.15.2 hereof, the amount of the
  dividend which has accrued during the Month in which such redemption, purchase
  or distribution occurs shall be the amount (rounded to the nearest one-thousandth
  of one cent ($0.00001)) calculated by multiplying:</font> </P>
<div align="justify">
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(i)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          the amount obtained by multiplying $25.00 by one-twelfth (1/12) of the
          Annual Floating Listed Dividend Rate applicable to the preceding Month;
          by</FONT> </P></TD>
    </TR>
  </TABLE>
  <font size="2" face="Arial, Helvetica, sans-serif"><BR>
  </font>
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(ii)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          a fraction of which the numerator is the number of days elapsed in the
          Month in which such redemption, purchase or distribution occurs up to
          but not including the date of such event and the denominator of which
          is the number of days in that Month.</FONT> </P></TD>
    </TR>
  </TABLE>
</div>
<P ALIGN="justify"><FONT SIZE="2" face="Arial, Helvetica, sans-serif"><B><I>3.15.1.6</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Calculation
  of Designated Percentage</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The Corporation shall as promptly as practicable calculate the Designated
  Percentage for each Month and give notice thereof to all stock exchanges in
  Canada on which the Series W Preferred Shares are listed for trading or if the
  Series W Preferred Shares are not listed on a stock exchange in Canada to the
  Investment Dealers Association of Canada.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.15.2</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Rights
  on Liquidation</I></B></FONT></P>
<div align="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;In the event of the liquidation, dissolution or winding up of the Corporation
  or any other </font> </div>
<P ALIGN="justify">&nbsp;</P>
<hr>
<p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;91&#150;</font></p>
<P ALIGN="justify">&nbsp;</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">distribution
  of assets of the Corporation for the purpose of winding up its affairs, the
  holders of the Series W Preferred Shares shall be entitled to receive $25.00
  per Series W Preferred Share together with all dividends accrued and unpaid
  up to but excluding the date of payment or distribution, before any amounts
  shall be paid or any assets of the Corporation distributed to the holders of
  the Common Shares of the Corporation or any other shares ranking junior to the
  Series W Preferred Shares. Upon payment of such amounts, the holders of the
  Series W Preferred Shares shall not be entitled to share in any further distribution
  of the property or assets of the Corporation.</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.15.3</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Redemption
  at the Option of the Corporation</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
  Corporation may not redeem any of the Series W Preferred Shares prior to September
  1, 2007. Subject to applicable law and section 3.15.5 hereof, upon giving notice
  as hereinafter provided, the Corporation may:</font></P>
<div align="justify">
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(i)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          on September 1, 2007, redeem all, but not less than all, of the outstanding
          Series W Preferred Shares, on payment of $25.00 for each such share
          to be redeemed;</FONT> </P></TD>
    </TR>
  </TABLE>
  <font size="2" face="Arial, Helvetica, sans-serif"><BR>
  </font>
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(ii)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          after September 1, 2007, if the date of such redemption is during the
          Floating Rate Unlisted Period, redeem at any time all, but not less
          than all, of the outstanding Series W Preferred Shares, on payment of
          $25.00 for each such share to be redeemed; and</FONT> </P></TD>
    </TR>
  </TABLE>
  <font size="2" face="Arial, Helvetica, sans-serif"><BR>
  </font>
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(iii)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          after September 1, 2007, if the date of such redemption is during the
          Floating Rate Listed Period, redeem at any time all, but not less than
          all, of the outstanding Series W Preferred Shares, on payment of $25.50
          for each share to be so redeemed;</FONT> </P></TD>
    </TR>
  </TABLE>
</div>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">in each
  case, together with accrued and unpaid dividends up to but excluding the date
  fixed for redemption, the whole constituting the redemption price.</FONT> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
  Corporation shall give notice in writing not less than 45 days nor more than
  60 days prior to the date on which the redemption is to take place to each person
  who at the date of giving such notice is the holder of Series W Preferred Shares
  to be redeemed of the intention of the Corporation to redeem such shares; such
  notice shall be given by posting the same in a postage paid envelope addressed
  to each holder of Series W Preferred Shares to be redeemed at the last address
  of such holder as it appears on the securities register of the Corporation or,
  in the event of the address of any holder not so appearing, then to the address
  of such holder last known to the Corporation, provided that the accidental failure
  or omission to give any such notices as aforesaid to one or more of such holders
  shall not affect the validity of the redemption as to the other holders of the
  Series W Preferred Shares to be redeemed. Such notice shall set out the number
  of such Series W Preferred Shares held by the person to whom it is addressed
  which are to be redeemed and the redemption price and shall also set out the
  date on which the redemption is to take place, and on and after the date so
  specified for redemption the Corporation shall pay or cause to be paid to the
  holders of such Series W Preferred Shares to be redeemed the redemption price
  on presentation and surrender at any place or places within Canada designated
  by such notice, of the certificate or certificates for such Series W Preferred
  Shares so called for redemption; such payment shall be made by cheque payable
  at par at any branch in Canada of the Corporation&#146;s bankers; from and after
  the date specified in any such notice, the Series W Preferred Shares called
  for redemption shall cease to be entitled to dividends and the holders thereof
  shall not be entitled to exercise any of the rights of shareholders in respect
  thereof unless payment of the redemption price shall not be duly made by the
  Corporation; at any time after notice of redemption is given as aforesaid, the
  Corporation shall have the right to deposit the redemption price of any or all
  Series W Preferred Shares called for redemption with any chartered bank or banks
  or with any trust company or trust companies in Canada named in the notice of
  redemption to the credit of a special account or accounts in trust for the respective
  holders of such shares, to be paid to them respectively upon surrender to such
  bank or banks or trust company or trust companies of the certificate or certificates
  representing the same, and upon such deposit or deposits being made, such shares
  shall be redeemed on the redemption date specified in the notice of redemption;
  after the Corporation has made a deposit as aforesaid with respect to any shares,
  the holders thereof shall not, from and after the redemption date, be entitled
  to exercise any of the rights of shareholders in respect thereof and the rights
  of the holders thereof shall be limited to receiving the proportion of the amounts
  so deposited applicable to such shares, without interest; any interest allowed
  on such deposit shall belong to the Corporation.</font></P>
<P ALIGN="justify">&nbsp;</P>
<hr>
<p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;92&#150;</font></p>
<p align="center">&nbsp;</p>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.15.4</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Conversion
  of Series W Preferred Shares</I></B></FONT></P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.15.4.1</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Conversion
  at the Option of the Holder</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Holders
  of Series W Preferred Shares shall have the right, at their option, on September
  1, 2007 and on September 1 in every fifth year thereafter (a &#147;Conversion
  Date&#148;), to convert, subject to the terms and conditions hereof, all or
  any Series W Preferred Shares registered in their name into Series X Preferred
  Shares of the Corporation on the basis of one (1) Series X Preferred Share for
  each Series W Preferred Share. The Corporation shall give notice in writing
  to the then holders of the Series W Preferred Shares of the Selected Percentage
  Rate (as defined in section 3.16.1.1 of the articles of the Corporation relating
  to the Series X Preferred Shares) determined by the Board of Directors to be
  applicable for the next succeeding Fixed Dividend Rate Period (as defined in
  section 3.16.1.1 of the articles of the Corporation relating to the Series X
  Preferred Shares) and of the conversion right provided for herein; such notice
  shall be given by posting the same in a postage paid envelope addressed to each
  holder of the Series W Preferred Shares at the last address of such holder as
  it appears on the securities register of the Corporation or, in the event of
  the address of any holder not so appearing, then to the address of such holder
  last known to the Corporation. Such notice shall set out the Conversion Date
  and shall be given not less than 45 days nor more than 60 days prior to the
  applicable Conversion Date.</font> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If
  the Corporation gives notice as provided in section 3.15.3 to the holders of
  the Series W Preferred Shares of the redemption of all the Series W Preferred
  Shares, the Corporation shall not be required to give notice as provided in
  this section 3.15.4.1 to the holders of the Series W Preferred Shares of a Selected
  Percentage Rate (as defined in section 3.16.1.1 of the articles of the Corporation
  relating to the Series X Preferred Shares) for the Series X Preferred Shares
  or of the conversion right and the right of any holder of Series W Preferred
  Shares to convert such Series W Preferred Shares as herein provided shall cease
  and terminate in that event.</font> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Holders
  of Series W Preferred Shares shall not be entitled to convert their shares into
  Series X Preferred Shares if, following the close of business on the 14th day
  preceding a Conversion Date, the Corporation determines that there would remain
  outstanding on the Conversion Date less than 1,000,000 Series X Preferred Shares,
  after taking into account all Series W Preferred Shares tendered for conversion
  into Series X Preferred Shares and all Series X Preferred Shares tendered for
  conversion into Series W Preferred Shares. The Corporation shall give notice
  in writing thereof, in accordance with the provisions of the first paragraph
  of this section 3.15.4.1, to all affected holders of Series W Preferred Shares
  at least seven (7) days prior to the applicable Conversion Date and will issue
  and deliver, or cause to be delivered, prior to such Conversion Date, at the
  expense of the Corporation, to such holders of Series W Preferred Shares, who
  have surrendered for conversion any certificate or certificates representing
  Series W Preferred Shares, new certificates representing the Series W Preferred
  Shares represented by any certificate or certificates surrendered as aforesaid.</font>
</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.15.4.2</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Automatic
  Conversion</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If
  following the close of business on the 14th day preceding a Conversion Date,
  the Corporation determines that there would remain outstanding on the Conversion
  Date less than 1,000,000 Series W Preferred Shares after taking into account
  all Series W Preferred Shares tendered for conversion into Series X Preferred
  Shares and all Series X Preferred Shares tendered for conversion into Series
  W Preferred Shares, then, all, but not part, of the remaining outstanding Series
  W Preferred Shares shall automatically be converted into Series X Preferred
  Shares on the basis of one (1) Series X Preferred Share for each Series W Preferred
  Share on the applicable Conversion Date and the Corporation shall give notice
  in writing thereof, in accordance with the provisions of section 3.15.4.1, to
  the holders of such remaining Series W Preferred Shares at least seven (7) days
  prior to the Conversion Date.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.15.4.3</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Manner
  of Exercise of Conversion Privilege</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
  conversion of Series W Preferred Shares may be effected by surrender of the
  certificate or certificates representing the same not earlier than 45 days prior
  to a Conversion Date but not later than the close of business on the 14th day
  preceding a Conversion Date during usual business hours at any office of any
  transfer agent of the Corporation at which the Series W Preferred Shares are
  transferable accompanied by: i) payment or evidence of payment of the tax (if
  any) payable as provided in this section 3.15.4.3; and ii) a written instrument
  </font></P>
<P ALIGN="justify">&nbsp;</P>
<hr>
<p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;93&#150;</font></p>
<P ALIGN="justify">&nbsp;</P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">of surrender
  in form satisfactory to the Corporation duly executed by the holder, or his
  attorney duly authorized in writing, in which instrument such holder may also
  elect to convert part only of the Series W Preferred Shares represented by such
  certificate or certificates not theretofore called for redemption in which event
  the Corporation shall issue and deliver or cause to be delivered to such holder,
  at the expense of the Corporation, a new certificate representing the Series
  W Preferred Shares represented by such certificate or certificates which have
  not been converted.</font> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In
  the event the Corporation is required to convert all remaining outstanding Series
  W Preferred Shares into Series X Preferred Shares on the applicable Conversion
  Date as provided for in section 3.15.4.2, the Series W Preferred Shares, in
  respect of which the holders have not previously elected to convert, shall be
  converted on the Conversion Date into Series X Preferred Shares and the holders
  thereof shall be deemed to be holders of Series X Preferred Shares at the close
  of business on the Conversion Date and shall be entitled, upon surrender during
  usual business hours at any office of any transfer agent of the Corporation
  at which the Series W Preferred Shares were transferable of the certificate
  or certificates representing Series W Preferred Shares not previously surrendered
  for conversion, to receive a certificate or certificates representing the same
  number of Series X Preferred Shares in the manner and subject to the terms and
  provisions as provided in this section 3.15.4.3.</font> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;As
  promptly as practicable after the Conversion Date, the Corporation shall issue
  and deliver, or cause to be delivered to or upon the written order of the holder
  of the Series W Preferred Shares so surrendered, a certificate or certificates,
  issued in the name of, or in such name or names as may be directed by, such
  holder representing the number of fully-paid and non-assessable Series X Preferred
  Shares and the number of remaining Series W Preferred Shares, if any, to which
  such holder is entitled. Such conversion shall be deemed to have been made at
  the close of business on the Conversion Date, so that the rights of the holder
  of such Series W Preferred Shares as the holder thereof shall cease at such
  time and the person or persons entitled to receive Series X Preferred Shares
  upon such conversion shall be treated for all purposes as having become the
  holder or holders of record of such Series X Preferred Shares at such time.</font>
</P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
  holder of any Series W Preferred Share on the record date for any dividend declared
  payable on such share shall be entitled to such dividend notwithstanding that
  such share is converted into a Series X Preferred Share after such record date
  and on or before the date of the payment of such dividend.</font> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
  issuance of certificates for the Series X Preferred Shares upon the conversion
  of Series W Preferred Shares shall be made without charge to the converting
  holders of Series W Preferred Shares for any fee or tax in respect of the issuance
  of such certificates or the Series X Preferred Shares represented thereby; provided,
  however, that the Corporation shall not be required to pay any tax which may
  be imposed upon the person or persons to whom such Series X Preferred Shares
  are issued in respect of the issuance of such Series X Preferred Shares or the
  certificate therefor or which may be payable in respect of any transfer involved
  in the issuance and delivery of any such certificate in a name or names other
  than that of the holder of the Series W Preferred Shares converted, and the
  Corporation shall not be required to issue or deliver such certificate unless
  the person or persons requesting the issuance thereof shall have paid to the
  Corporation the amount of such tax or shall have established to the satisfaction
  of the Corporation that such tax has been paid.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.15.4.4</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Status
  of Converted Series W Preferred Shares</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;All
  Series W Preferred Shares converted into Series X Preferred Shares on a Conversion
  Date shall not be cancelled but shall be restored to the status of authorized
  but unissued shares of the Corporation as at the close of business on the Conversion
  Date.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.15.5</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Restrictions
  on Dividends and Retirement of Shares</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Without
  the approval of the holders of outstanding Series W Preferred Shares:</font>
</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;the Corporation shall not declare, pay or set apart for payment any dividends
  (other than stock dividends payable in shares of the Corporation ranking junior
  to the Series W Preferred Shares) on the Common Shares of the Corporation or
  any other shares of the Corporation ranking junior to the Series W Preferred
  Shares;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;the Corporation shall not redeem, purchase or otherwise retire or make
  any capital distribution </FONT></P>
<P ALIGN="justify">&nbsp;</P>
<hr>
<p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;94&#150;</font></p>
<P ALIGN="justify">&nbsp;</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">on or in
  respect of the Common Shares of the Corporation or any other shares of the Corporation
  ranking junior to the Series W Preferred Shares (except out of the net cash
  proceeds of a substantially concurrent issue of shares of the Corporation ranking
  junior to the Series W Preferred Shares);</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;the Corporation shall not purchase or otherwise retire less than all of
  the Series W Preferred Shares then outstanding; or</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;the Corporation shall not redeem, purchase or otherwise retire (except
  in connection with the exercise of any retraction privilege or any mandatory
  redemption obligation attaching thereto) any shares of any class or series ranking
  on a parity with the Series W Preferred Shares provided that, for greater certainty,
  the covenant in this clause (d) shall not limit or affect any such action in
  respect of any class of shares ranking in priority to the Series W Preferred
  Shares;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">unless,
  in each such case, all cumulative dividends on outstanding Series W Preferred
  Shares accrued up to and including the dividend payable for the last completed
  period for which dividends were payable shall have been declared and paid.</FONT>
</P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Any
  approval of the holders of Series W Preferred Shares required to be given pursuant
  to this section 3.15.5 may be given in accordance with the second paragraph
  of section 3.15.7 and section 3.15.10. Notwithstanding the provisions of section
  3.15.10 hereof, any approval required to be given pursuant to this section 3.15.5
  shall be required to be given only by the affirmative vote of the holders of
  the majority of the Series W Preferred Shares present or represented at a meeting,
  or adjourned meeting, of the holders of Series W Preferred Shares duly called
  for the purpose and at which a quorum is present.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.15.6</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Purchase
  for Cancellation</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
  Corporation may at any time purchase for cancellation the whole or any part
  of the Series W Preferred Shares outstanding from time to time, in the open
  market through or from an investment dealer or any firm holding membership on
  a recognized stock exchange, or by private agreement or otherwise, at the lowest
  price or prices at which in the opinion of the Board of Directors such shares
  are obtainable.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.15.7</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Voting
  Rights</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If
  the Corporation fails to pay eight (8) dividends on the Series W Preferred Shares,
  whether or not consecutive, the holders of the Series W Preferred Shares shall
  have the right to receive notice of, and to attend, each meeting of shareholders
  of the Corporation which takes place more than 60 days after the date on which
  the failure first occurs (other than a separate meeting of the holders of another
  series or class of shares) and such holders shall also have the right, at any
  such meeting, to one (1) vote for each Series W Preferred Share held, until
  all such arrears of dividends on the Series W Preferred Shares shall have been
  paid whereupon such rights shall cease unless and until the same default shall
  again arise under the provisions of this section 3.15.7.</font> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In
  connection with any actions to be taken by the Corporation which require the
  approval of the holders of the Series W Preferred Shares voting as a series
  or as part of a class, each Series W Preferred Share shall entitle the holder
  thereof to one (1) vote for such purpose.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.15.8</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Issue
  of Additional Preferred Shares</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
  Corporation may issue additional series of First Preferred Shares ranking on
  a parity with the Series W Preferred Shares without the authorization of the
  holders of the Series W Preferred Shares.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.15.9</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Modifications</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
  provisions attaching to the Series W Preferred Shares as a series may be repealed,
  altered, modified or amended from time to time with such approval as may then
  be required by the <I>Canada Business Corporations Act</I>, any such approval
  to be given in accordance with section 3.15.10.</font> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;None
  of the series provisions of the articles of the Corporation relating to the
  Series W </font></P>
<P ALIGN="justify">&nbsp;</P>
<hr>
<p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;95&#150;</font></p>
<P ALIGN="justify">&nbsp;</P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">Preferred
  Shares shall be amended or otherwise changed unless, contemporaneously therewith,
  the series provisions, if any, relating to the Series X Preferred Shares are,
  to the extent deemed required by the Corporation, amended or otherwise changed
  in the same proportion and in the same manner.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.15.10</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Approval
  of Holders of Series W Preferred Shares</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Any
  approval given by the holders of the Series W Preferred Shares shall be deemed
  to have been sufficiently given if it shall have been given by the holders of
  Series W Preferred Shares as provided in the provisions attaching to the First
  Preferred Shares as a class, which provisions shall apply <I>mutatis mutandis</I>.</font>
</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.15.11</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Tax
  Election</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
  Corporation shall elect, in the manner and within the time provided under the
  <I>Income Tax Act </I>(Canada), under subsection 191.2(1) of the said Act, or
  any successor or replacement provision of similar effect, and take all other
  necessary action under such Act, to pay tax at a rate such that no holder of
  the Series W Preferred Shares will be required to pay tax on dividends received
  on the Series W Preferred Shares under section 187.2 of Part IV.I of such Act
  or any successor or replacement provision of similar effect.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.15.12</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Mail
  Service Interruption</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If
  the Corporation determines that mail service is, or is threatened to be, interrupted
  at the time when the Corporation is required or elects to give any notice hereunder
  by mail, or is required to send any cheque or any share certificate to the holder
  of any Series W Preferred Shares, whether in connection with the redemption
  or conversion of such share or otherwise, the Corporation may, notwithstanding
  the provisions hereof:</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;give such notice by telex, telecopier or telegraph communication or by
  means of publication once in each of two successive weeks in a newspaper of
  general circulation published or distributed in Montr&eacute;al and Toronto
  and such notice shall be deemed to have been given on the date on which such
  telex, telecopier or telegraph communication was given or on the date on which
  the first publication has taken place; and</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;fulfill the requirement to send such cheque or such share certificate
  by arranging for delivery thereof to the principal office of the Corporation
  in Montr&eacute;al, and such cheque and/or certificate shall be deemed to have
  been sent on the date on which notice of such arrangement shall have been given
  as provided in (a) above, provided that as soon as the Corporation determines
  that mail service is no longer interrupted or threatened to be interrupted such
  cheque or share certificate, if not theretofore delivered to such holder, shall
  be sent by ordinary unregistered first class prepaid mail to the registered
  address of each person who at the date of mailing is a registered holder and
  who is entitled to receive such cheque or share certificate, or in the event
  of the address of any such holder not appearing on the securities register of
  the Corporation, then at the last address of such holder known to the Corporation.</FONT>
</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.15.13</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Notice
  of Annual Dividend Rate Applicable to the Series X Preferred Shares</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Within
  three (3) business days of the determination of the Annual Dividend Rate (as
  defined in section 3.16.1.1 of the articles of the Corporation relating to the
  Series X Preferred Shares) the Corporation shall give notice thereof to the
  holders of the Series W Preferred Shares by publication once in the national
  edition of the Globe and Mail in the English language and once in the City of
  Montr&eacute;al in both the French and English languages in a daily newspaper
  of general circulation in Montr&eacute;al; provided that if any such newspaper
  is not being generally circulated at that time, such notice shall be published
  in another equivalent publication.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.15.14</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Listing
  of Series W Preferred Shares</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Upon
  receipt of a Qualifying Listing Request, the Corporation shall use its reasonable
  best efforts to obtain within 120 days thereafter a conditional listing for
  the Series W Preferred Shares on the Exchange and thereafter, should such listing
  be obtained, to maintain a listing for so long as in the aggregate there are
  at least 1,000,000 Series W Preferred Shares and/or Series X Preferred Shares
  outstanding. For greater certainty, however, the Corporation shall not be in
  breach of its obligations hereunder if the Requesting Holders </font></P>
<P ALIGN="justify">&nbsp;</P>
<hr>
<p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;96&#150;</font></p>
<P ALIGN="justify">&nbsp;</P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">of such
  Qualifying Listing Request do not sell such number of Series W Preferred Shares
  to such number of holders so as to meet the then listing requirements of the
  Exchange. The Corporation shall pay all fees and costs incidental to obtaining
  and maintaining such listing.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.15.15</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Definitions</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In
  the provisions herein contained attaching to the Series W Preferred Shares:</font>
</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;accrued and unpaid dividends&#148; means: i) during the Fixed Rate
  Period, the aggregate of (A) all unpaid dividends on the Series W Preferred
  Shares for any Dividend Period and (B) the amount calculated as though dividends
  on each Series W Preferred Share had been accruing on a day-to-day basis from
  and including the date on which the last quarterly dividend was payable to but
  excluding the date to which the computation of accrued dividends is to be made;
  and ii) during the Floating Rate Unlisted Period and the Floating Rate Listed
  Period, the aggregate of (A) all unpaid dividends on the Series W Preferred
  Shares for any Dividend Period and (B) the amount calculated as though dividends
  on each Series W Preferred Share had been accruing on a day-to-day basis from
  and including the first day of the Month immediately following the Dividend
  Period with respect to which the last monthly dividend will be or was, as the
  case may be, payable to but excluding the date to which the computation of accrued
  dividends is to be made; and</FONT> </P>
<div align="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;in priority to&#148;, &#147;on a parity with&#148; and &#147;junior
  to&#148; have reference to the order of priority in payment of dividends and
  in the distribution of assets in the event of any liquidation, dissolution or
  winding up of the Corporation, whether voluntary or involuntary, or other distribution
  of the assets of the Corporation among its shareholders for the purpose of winding
  up its affairs.</FONT> </div>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.15.16</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Interpretation</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In
  the event that any date on which any dividend on the Series W Preferred Shares
  is payable by the Corporation, or any date on or by which any other action is
  required to be taken by the Corporation or the holders of Series W Preferred
  Shares hereunder, is not a business day (as hereinafter defined), then such
  dividend shall be payable, or such other action shall be required to be taken,
  on or by the next succeeding day that is a business day. A &#147;business day&#148;
  shall be a day other than a Saturday, a Sunday or any other day that is treated
  as a holiday at the Corporation&#146;s principal office in Canada.<br>
  </font></P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B>3.16</B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>Series
  X Preferred Shares</B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;No
  Series X Preferred Shares shall be issued by the Corporation prior to September
  1, 2007. The Series X Preferred Shares shall, in addition to the rights, privileges,
  restrictions and conditions attaching to the First Preferred Shares as a class,
  carry and be subject to the following rights, privileges, restrictions and conditions:</font>
</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.16.1</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Dividend</I></B></FONT></P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.16.1.1</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Definitions</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;For
  the purposes hereof, the following capitalized terms shall have the following
  meanings, unless the context otherwise requires:</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Annual Dividend Rate&#148; means for any Fixed Dividend Rate Period
  the rate of interest expressed as a percentage per annum (rounded to the nearest
  one-thousandth of one percent (0.001%)) which is equal to the Government of
  Canada Yield multiplied by the Selected Percentage Rate for such Fixed Dividend
  Rate Period;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Dividend Payment Date&#148; means the first day of each of March,
  June, September and December in each year;</FONT> </P>
<P ALIGN="justify">&nbsp;</P>
<hr>
<p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;97&#150;</font></p>
<P ALIGN="justify">&nbsp;</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Exchange&#148; means The Montreal Exchange or The Toronto Stock
  Exchange;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Fixed Dividend Rate Period&#148; means for the initial Fixed Dividend
  Rate Period, the period commencing on September 1, 2007 and ending on and including
  August 31, 2012, and for each succeeding Fixed Dividend Rate Period, the period
  commencing on the day immediately following the end of the immediately preceding
  Fixed Dividend Rate Period and ending on and including the last day of August
  in the fifth year immediately thereafter;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Government of Canada Yield&#148; on any date shall mean the average
  of the yields determined by two registered Canadian investment dealers, selected
  by the Board of Directors, as being the yield to maturity on such date compounded
  semi-annually and calculated in accordance with generally accepted financial
  practice, which a non-callable Government of Canada Bond would carry if issued
  in Canadian dollars in Canada at 100% of its principal amount on such date with
  a term to maturity of five years;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Qualifying Listing Request&#148; means a request to list the Series
  X Preferred Shares on the Exchange by holders holding together in the aggregate
  at least 2,800,000 Series X Preferred Shares and/or Series W Preferred Shares
  (&#147;Requesting Holders&#148;) who have committed to use all commercially
  reasonable best efforts to sell to unrelated parties through the facilities
  of the Exchange before the applicable Sale Completion Date, such number of Series
  X Preferred Shares and/or Series W Preferred Shares to such number of holders
  so as to meet the then listing requirements of the Exchange (but in any event,
  in the aggregate at least 2,800,000 Series X Preferred Shares and/or Series
  W Preferred Shares), provided that such request may not be made within six (6)
  months of the last Qualifying Listing Request by any holder of Series W Preferred
  Shares and/or Series X Preferred Shares;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(g)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Sale Completion Date&#148; for any Qualifying Listing Request means
  the applicable date after the conditional listing, if obtained, of the Series
  X Preferred Shares on the Exchange pursuant to such request (the &#147;Conditional
  Listing&#148;) determined as follows:</FONT> </P>
<div align="justify">
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(i)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          if during the period commencing with the date of such request and terminating
          30 days from the date of the Conditional Listing, the Corporation announces
          publicly its intention to issue by way of a public offering at least
          $50,000,000 of Substantially Similar Preferred Shares, the applicable
          date shall be 120 days from the date of the Conditional Listing;</FONT>
        </P></TD>
    </TR>
  </TABLE>
  <font size="2" face="Arial, Helvetica, sans-serif"><BR>
  </font>
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(ii)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          (a) if there has occurred an Unusual Event during the period commencing
          with the date of such request and terminating 30 days from the date
          of the Conditional Listing; or (b) in the event the Corporation announces
          publicly its intention to issue Substantially Similar Preferred Shares
          in accordance with section 3.16.1.1(g)(i) hereof during the period commencing
          with a date of such request and terminating 120 days from the date of
          the Conditional Listing and if there has occurred an Unusual Event during
          such period, the applicable date shall be 210 days and 300 days respectively
          from the date of the Conditional Listing; and</FONT> </P></TD>
    </TR>
  </TABLE>
  <font size="2" face="Arial, Helvetica, sans-serif"><BR>
  </font>
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(iii)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="LEFT"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          in all other cases, the applicable date shall be 30 days from the date
          of the Conditional Listing;</FONT> </P></TD>
    </TR>
  </TABLE>
</div>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(h)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Selected Percentage Rate&#148; for each Fixed Dividend Rate Period
  means the rate of interest, expressed as a percentage of the Government of Canada
  Yield, determined by the Board of Directors as set forth in the notice to the
  holders of the Series X Preferred Shares given in accordance with the provisions
  of section3.16.4.1, which rate of interest shall be not less than 80% of the
  Government of Canada Yield; and</FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Substantially Similar Preferred Shares&#148; means preferred shares
  of the Corporation:</font> </P>
<div align="justify">
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(i)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="LEFT"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          which are of the same class as the Series X Preferred Shares;</FONT>
        </P></TD>
    </TR>
  </TABLE>
  <font size="2" face="Arial, Helvetica, sans-serif"><BR>
  </font>
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(ii)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          the holders of which are entitled to cumulative preferred cash dividends
          payable at a fixed rate for an initial pre-determined period and thereafter
          are entitled to cumulative preferred cash dividends payable at a floating
          rate fixed every five years; </FONT></P></TD>
    </TR>
  </TABLE>
  <p>&nbsp;</p>
  <hr>
  <p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;98&#150;</font></p>
  <p>&nbsp;</p>
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%">&nbsp;</TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="LEFT"><font size="2" face="Arial, Helvetica, sans-serif">and</font>
          <FONT size="2" FACE="Arial, Helvetica, sans-serif"> </FONT></P></TD>
    </TR>
  </TABLE>
  <br>
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(iii)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="LEFT"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          which are convertible into another series of preferred shares of the
          Corporation;</FONT> </P></TD>
    </TR>
  </TABLE>
</div>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(j)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Unusual Event&#148; for a Sale Completion Date means any event,
  action, state, condition or major financial occurrence of national or international
  consequence or any law or regulation which, in the reasonable opinion of the
  Requesting Holders, seriously adversely affects, or involves, or will seriously
  affect, or involve, the market for the Series W Preferred Shares and/or Series
  X Preferred Shares.</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.16.1.2</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>General</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
  holders of the Series X Preferred Shares shall be entitled to receive fixed,
  cumulative, preferred cash dividends, as and when declared by the Board of Directors,
  out of moneys of the Corporation properly applicable to the payment of dividends,
  in the amount per share per annum determined by multiplying the Annual Dividend
  Rate by $25.00, payable quarterly in respect of each 12 month period on the
  first day of March, June, September and December by cheque at par in lawful
  money of Canada at any branch in Canada of the Corporation&#146;s bankers.</font>
</P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Dividends
  declared on the Series X Preferred Shares shall (except in case of redemption
  in which case payment of dividends shall be made on surrender of the certificate
  representing the Series X Preferred Shares to be redeemed) be paid by posting
  in a postage paid envelope addressed to each holder of the Series X Preferred
  Shares at the last address of such holder as it appears on the securities register
  of the Corporation or, in the event of the address of any holder not so appearing,
  then to the address of such holder last known to the Corporation, or, in the
  case of joint holders, to the address of that one whose name appears first in
  the securities register of the Corporation as one of such joint holders, a cheque
  for such dividends (less any tax required to be deducted) payable to the order
  of such holder or, in the case of joint holders, to the order of all such holders
  failing written instructions from them to the contrary. Notwithstanding the
  foregoing, any dividend cheque may be delivered by the Corporation to a holder
  of Series X Preferred Shares at his address as aforesaid. The posting or delivery
  of such cheque shall be deemed to be payment and shall satisfy and discharge
  all liabilities for the payment of such dividends to the extent of the sum represented
  thereby (plus the amount of any tax required to be deducted as aforesaid) unless
  such cheque is not paid on due presentation.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.16.1.3</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Calculation
  of Annual Dividend Rate</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
  Corporation shall calculate on the 21st day prior to the first day of each Fixed
  Dividend Rate Period the Annual Dividend Rate for each Fixed Dividend Rate Period
  based upon the Selected Percentage Rate and the Government of Canada Yield in
  effect at 10:00 A.M. (Montr&eacute;al time) on the said 21st day prior to the
  first day of each Fixed Dividend Rate Period and give notice thereof: (i) within
  one (1) business day to all stock exchanges in Canada on which the Series X
  Preferred Shares are listed for trading or if the Series X Preferred Shares
  are not listed on a stock exchange in Canada, to the Investment Dealers Association
  of Canada; and (ii) within three (3) business days to, except in relation to
  the initial Fixed Dividend Rate Period, the holders of the Series X Preferred
  Shares by publication once in the national edition of the Globe and Mail in
  the English language and once in the City of Montr&eacute;al in both the French
  and English languages in a daily newspaper of general circulation in Montr&eacute;al;
  provided that if any such newspaper is not being generally circulated at that
  time such notice shall be published in another equivalent publication.</font>
</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.16.2</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Rights
  on Liquidation</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In
  the event of the liquidation, dissolution or winding up of the Corporation or
  any other distribution of assets of the Corporation for the purpose of winding
  up its affairs, the holders of the Series X Preferred Shares shall be entitled
  to receive $25.00 per Series X Preferred Share together with all dividends accrued
  and unpaid up to but excluding the date of payment or distribution, before any
  amounts shall be paid or any assets of the Corporation distributed to the holders
  of the Common Shares of the Corporation or any other shares ranking junior to
  the Series X Preferred Shares. Upon payment of such amounts, the holders of
  the Series X Preferred Shares shall not be entitled to share in any further
  distribution of the property or assets of the Corporation.</font></P>
<P ALIGN="justify">&nbsp;</P>
<hr>
<p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;99&#150;</font></p>
<P ALIGN="justify">&nbsp;</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.16.3</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Redemption
  at the Option of the Corporation</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
  Corporation may not redeem any of the Series X Preferred Shares prior to September
  1, 2012. Subject to applicable law and section 3.16.5 hereof, upon giving notice
  as hereinafter provided, the Corporation may, on September 1, 2012 or on September
  1 in every fifth year thereafter, redeem at any time all, but not less than
  all, the outstanding Series X Preferred Shares on payment of $25.00 for each
  such share to be redeemed together with accrued and unpaid dividends up to but
  excluding the date fixed for redemption, the whole constituting the redemption
  price.</font> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
  Corporation shall give notice in writing not less than 45 days nor more than
  60 days prior to the date on which the redemption is to take place to each person
  who at the date of giving such notice is the holder of Series X Preferred Shares
  to be redeemed of the intention of the Corporation to redeem such shares; such
  notice shall be given by posting the same in a postage paid envelope addressed
  to each holder of Series X Preferred Shares to be redeemed at the last address
  of such holder as it appears on the securities register of the Corporation or,
  in the event of the address of any holder not so appearing, then to the address
  of such holder last known to the Corporation, provided that the accidental failure
  or omission to give any such notices as aforesaid to one or more of such holders
  shall not affect the validity of the redemption as to the other holders of the
  Series X Preferred Shares to be redeemed. Such notice shall set out the number
  of such Series X Preferred Shares held by the person to whom it is addressed
  which are to be redeemed and the redemption price and shall also set out the
  date on which the redemption is to take place, and on and after the date so
  specified for redemption the Corporation shall pay or cause to be paid to the
  holders of such Series X Preferred Shares to be redeemed the redemption price
  on presentation and surrender at any place within Canada designated by such
  notice, of the certificate or certificates for such Series X Preferred Shares
  so called for redemption; such payment shall be made by cheque payable at par
  at any branch in Canada of the Corporation&#146;s bankers; from and after the
  date specified in any such notice, the Series X Preferred Shares called for
  redemption shall cease to be entitled to dividends and the holders thereof shall
  not be entitled to exercise any of the rights of shareholders in respect thereof
  unless payment of the redemption price shall not be duly made by the Corporation;
  at any time after notice of redemption is given as aforesaid, the Corporation
  shall have the right to deposit the redemption price of any or all Series X
  Preferred Shares called for redemption with any chartered bank or banks or with
  any trust company or trust companies in Canada named in the notice of redemption
  to the credit of a special account or accounts in trust for the respective holders
  of such shares, to be paid to them respectively upon surrender to such bank
  or banks or trust company or trust companies of the certificate or certificates
  representing the same, and upon such deposit or deposits being made, such shares
  shall be redeemed on the redemption date specified in the notice of redemption;
  after the Corporation has made a deposit as aforesaid with respect to any shares,
  the holders thereof shall not, from and after the redemption date, be entitled
  to exercise any of the rights of shareholders in respect thereof and the rights
  of the holders thereof shall be limited to receiving the proportion of the amounts
  so deposited applicable to such shares, without interest; any interest allowed
  on such deposit shall belong to the Corporation.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.16.4</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Conversion
  of Series X Preferred Shares</I></B></FONT></P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.16.4.1</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Conversion
  at the Option of the Holder</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Holders
  of Series X Preferred Shares shall have the right, at their option, on September
  1, 2012 and on September 1 in every fifth year thereafter (a &#147;Conversion
  Date&#148;), to convert, subject to the terms and provisions hereof, all or
  any Series X Preferred Shares registered in their name into Series W Preferred
  Shares of the Corporation on the basis of one (1) Series W Preferred Share for
  each Series X Preferred Share. The Corporation shall give notice in writing
  to the then holders of the Series X Preferred Shares of the Selected Percentage
  Rate determined by the Board of Directors to be applicable for the next succeeding
  Fixed Dividend Rate Period and of the conversion right provided for herein;
  such notice shall be given by posting the same in a postage paid envelope addressed
  to each holder of the Series X Preferred Shares at the last address of such
  holder as it appears on the securities register of the Corporation or, in the
  event of the address of any holder not so appearing, then to the address of
  such holder last known to the Corporation. Such notice shall set out the Conversion
  Date and shall be given not less than 45 days nor more than 60 days prior to
  the applicable Conversion Date.</font> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If
  the Corporation gives notice as provided in section 3.16.3 to the holders of
  the Series X Preferred Shares of the redemption of all the Series X Preferred
  Shares, the Corporation shall not be required to</font></P>
<P ALIGN="justify">&nbsp;</P>
<hr>
<p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;100&#150;</font></p>
<P ALIGN="justify">&nbsp;</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">give notice
  as provided in this section 3.16.4.1 to the holders of the Series X Preferred
  Shares of a Selected Percentage Rate or of the conversion right and the right
  of any holder of Series X Preferred Shares to convert such Series X Preferred
  Shares as herein provided shall cease and terminate in that event.</FONT> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;Holders of Series X Preferred Shares shall not be entitled to convert
  their shares into Series W Preferred Shares if, following the close of business
  on the 14th day preceding a Conversion Date, the Corporation determines that
  there would remain outstanding on the Conversion Date less than 1,000,000 Series
  W Preferred Shares after taking into account all Series X Preferred Shares tendered
  for conversion into Series W Preferred Shares and all Series W Preferred Shares
  tendered for conversion into Series X Preferred Shares. The Corporation shall
  give notice in writing thereof, in accordance with the provisions of the first
  paragraph of this section 3.16.4.1, to all affected holders of Series X Preferred
  Shares at least seven (7) days prior to the applicable Conversion Date and will
  issue and deliver, or cause to be delivered, prior to such Conversion Date,
  at the expense of the Corporation, to such holders of Series X Preferred Shares,
  who have surrendered for conversion any certificate or certificates representing
  Series X Preferred Shares, new certificates representing the Series X Preferred
  Shares represented by any certificate or certificates surrendered as aforesaid.</font>
</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.16.4.2</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Automatic
  Conversion</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;If following the close of business on the 14th day preceding a Conversion
  Date the Corporation determines that there would remain outstanding on the Conversion
  Date less than 1,000,000 Series X Preferred Shares after taking into account
  all Series X Preferred Shares tendered for conversion into Series W Preferred
  Shares and all Series W Preferred Shares tendered for conversion into Series
  X Preferred Shares, then, all, but not part, of the remaining outstanding Series
  X Preferred Shares shall automatically be converted into Series W Preferred
  Shares on the basis of one (1) Series W Preferred Share for each Series X Preferred
  Share on the applicable Conversion Date and the Corporation shall give notice
  in writing thereof, in accordance with the provisions of section 3.16.4.1, to
  the holders of such remaining Series X Preferred Shares at least seven (7) days
  prior to the Conversion Date.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.16.4.3</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Manner
  of Exercise of Conversion Privilege</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The conversion of Series X Preferred Shares may be effected by surrender
  of the certificate or certificates representing the same not earlier than 45
  days prior to a Conversion Date but not later than the close of business on
  the 14th day preceding a Conversion Date during usual business hours at any
  office of any transfer agent of the Corporation at which the Series X Preferred
  Shares are transferable accompanied by: (1) payment or evidence of payment of
  the tax (if any) payable as provided in this section 3.16.4.3; and (2) a written
  instrument of surrender in form satisfactory to the Corporation duly executed
  by the holder, or his attorney duly authorized in writing, in which instrument
  such holder may also elect to convert part only of the Series X Preferred Shares
  represented by such certificate or certificates not theretofore called for redemption
  in which event the Corporation shall issue and deliver or cause to be delivered
  to such holder, at the expense of the Corporation, a new certificate representing
  the Series X Preferred Shares represented by such certificate or certificates
  which have not been converted.</font> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;In the event the Corporation is required to convert all remaining outstanding
  Series X Preferred Shares into Series W Preferred Shares on the applicable Conversion
  Date as provided for in section 3.16.4.2, the Series X Preferred Shares in respect
  of which the holders have not previously elected to convert, shall be converted
  on the Conversion Date into Series W Preferred Shares and the holders thereof
  shall be deemed to be holders of Series W Preferred Shares at the close of business
  on the Conversion Date and shall be entitled, upon surrender during usual business
  hours at any office of any transfer agent of the Corporation at which the Series
  X Preferred Shares were transferable of the certificate or certificates representing
  Series X Preferred Shares not previously surrendered for conversion, to receive
  a certificate or certificates representing the same number of Series W Preferred
  Shares in the manner and subject to the terms and provisions as provided in
  this section 3.16.4.3.</font> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;As promptly as practicable after the Conversion Date, the Corporation
  shall issue and deliver, or cause to be delivered to or upon the written order
  of the holder of the Series X Preferred Shares so surrendered, a certificate
  or certificates, issued in the name of, or in such name or names as may be directed
  by, such holder representing the number of fully-paid and non-assessable Series
  W Preferred Shares and the number of remaining Series X Preferred Shares, if
  any, to which such holder is entitled. Such conversion shall be</font> </P>
<p>&nbsp;</p>
<hr>
<p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;101&#150;</font></p>
<p>&nbsp;</p>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">deemed to
  have been made at the close of business on the Conversion Date, so that the
  rights of the</FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif">holder
  of such Series X Preferred Shares as the holder thereof shall cease at such
  time and the person or persons entitled to receive Series W Preferred Shares
  upon such conversion shall be treated for all purposes as having become the
  holder or holders of record of such Series W Preferred Shares at such time.</FONT>
</P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The holder of any Series X Preferred Share on the record date for any
  dividend declared payable on such share shall be entitled to such dividend notwithstanding
  that such share is converted into a Series W Preferred Share after such record
  date and on or before the date of the payment of such dividend.</font> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The issuance of certificates for the Series W Preferred Shares upon the
  conversion of Series X Preferred Shares shall be made without charge to the
  converting holders of Series X Preferred Shares for any fee or tax in respect
  of the issuance of such certificates or the Series W Preferred Shares represented
  thereby; provided, however, that the Corporation shall not be required to pay
  any tax which may be imposed upon the person or persons to whom such Series
  W Preferred Shares are issued in respect of the issuance of such Series W Preferred
  Shares or the certificate therefor or which may be payable in respect of any
  transfer involved in the issuance and delivery of any such certificate in a
  name or names other than that of the holder of the Series X Preferred Shares
  converted, and the Corporation shall not be required to issue or deliver such
  certificate unless the person or persons requesting the issuance thereof shall
  have paid to the Corporation the amount of such tax or shall have established
  to the satisfaction of the Corporation that such tax has been paid.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.16.4.4</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Status
  of Converted Series X Preferred Shares</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;All Series X Preferred Shares converted into Series W Preferred Shares
  on a Conversion Date shall not be cancelled but shall be restored to the status
  of authorized but unissued shares of the Corporation as at the close of business
  on the Conversion Date.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.16.5</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Restrictions
  on Dividends and Retirement of Shares</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;Without the approval of the holders of outstanding Series X Preferred
  Shares:</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;the Corporation shall not declare, pay or set apart for payment any dividends
  (other than stock dividends payable in shares of the Corporation ranking junior
  to the Series X Preferred Shares) on the Common Shares of the Corporation or
  any other shares of the Corporation ranking junior to the Series X Preferred
  Shares;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  the Corporation shall not redeem, purchase or otherwise retire or make any capital
  distribution on or in respect of the Common Shares of the Corporation or any
  other shares of the Corporation ranking junior to the Series X Preferred Shares
  (except out of the net cash proceeds of a substantially concurrent issue of
  shares of the Corporation ranking junior to the Series X Preferred Shares);</FONT>
</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;the Corporation shall not purchase or otherwise retire less than all of
  the Series X Preferred Shares then outstanding; or</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;the Corporation shall not redeem, purchase or otherwise retire (except
  in connection with the exercise of any retraction privilege or any mandatory
  redemption obligation attaching thereto) any shares of any class or series ranking
  on a parity with the Series X Preferred Shares provided that, for greater certainty,
  the covenant in this clause (d) shall not limit or affect any such action in
  respect of any class of shares ranking in priority to the Series X Preferred
  Shares;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">unless,
  in each such case, all cumulative dividends on outstanding Series X Preferred
  Shares accrued up to and including the dividend payable for the last completed
  period for which dividends were payable shall have been declared and paid.</FONT>
</P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;Any approval of the holders of the Series X Preferred Shares required
  to be given pursuant to this section 3.16.5 may be given in accordance with
  the second paragraph of section 3.16.7 and section 3.16.10. Notwithstanding
  the provisions of section 3.16.10 hereof, any approval required to be given
  pursuant to this section 3.16.5 shall be required to be given only by the affirmative
  vote of the holders of the majority of the Series X Preferred Shares present
  or represented at a meeting or adjourned meeting, of the holders of Series X
  Preferred Shares duly called for the purpose and at which a quorum is present.</font>
</P>
<P ALIGN="justify">&nbsp;</P>
<hr>
<p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;102&#150;</font></p>
<p>&nbsp;</p>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.16.6</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Purchase
  for Cancellation</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The Corporation may at any time purchase for cancellation the whole or
  any part of the Series X Preferred Shares outstanding from time to time, in
  the open market through or from an investment dealer or any firm holding membership
  on a recognized stock exchange, or by private agreement or otherwise, at the
  lowest price or prices at which in the opinion of the Board of Directors such
  shares are obtainable.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.16.7</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Voting
  Rights</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;If the Corporation fails to pay eight (8) dividends on the Series X Preferred
  Shares, whether or not consecutive, the holders of the Series X Preferred Shares
  shall have the right to receive notice of, and to attend, each meeting of shareholders
  of the Corporation which takes place more than 60 days after the date on which
  the failure first occurs (other than a separate meeting of the holders of another
  series or class of shares) and such holders shall also have the right, at any
  such meeting, to one (1) vote for each Series X Preferred Share held, until
  all such arrears of dividends on the Series X Preferred Shares shall have been
  paid whereupon such rights shall cease unless and until the same default shall
  again arise under the provisions of this section 3.16.7.</font> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;In connection with any actions to be taken by the Corporation which require
  the approval of the holders of the Series X Preferred Shares voting as a series
  or as part of a class, each Series X Preferred Share shall entitle the holder
  thereof to one (1) vote for such purpose.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.16.8</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Issue
  of Additional Preferred Shares</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The Corporation may issue additional series of First Preferred Shares
  ranking on a parity with the Series X Preferred Shares without the authorization
  of the holders of the Series X Preferred Shares.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.16.9</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Modifications</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The provisions attaching to the Series X Preferred Shares as a series
  may be repealed, altered, modified or amended from time to time with such approval
  as may then be required by the <I>Canada Business Corporations Act</I>, any
  such approval to be given in accordance with section 3.16.10.</font> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;None of the series provisions of the articles of the Corporation relating
  to the Series X Preferred Shares shall be amended or otherwise changed unless,
  contemporaneously therewith, the series provisions, if any, relating to the
  Series W Preferred Shares are, to the extent deemed required by the Corporation,
  amended or otherwise changed in the same proportion and in the same manner.</font>
</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.16.10</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Approval
  of Holders of Series X Preferred Shares</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;Any approval given by the holders of the Series X Preferred Shares shall
  be deemed to have been sufficiently given if it shall have been given by the
  holders of Series X Preferred Shares as provided in the provisions attaching
  to the First Preferred Shares as a class, which provisions shall apply <I>mutatis
  mutandis</I>.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.16.11</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Tax
  Election</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The Corporation shall elect, in the manner and within the time provided
  under the <I>Income Tax Act </I>(Canada), under subsection 191.2(1) of the said
  Act, or any successor or replacement provision of similar effect, and take all
  other necessary action under such Act, to pay tax at a rate such that no holder
  of the Series X Preferred Shares will be required to pay tax on dividends received
  on the Series X Preferred Shares under section 187.2 of Part IV.I of such Act
  or any successor or replacement provision of similar effect.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.16.12</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Mail
  Service Interruption</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;If the Corporation determines that mail service is, or is threatened to
  be, interrupted at the time when the Corporation is required or elects to give
  any notice hereunder by mail, or is required to send any cheque or any share
  certificate to the holder of any Series X Preferred Shares, whether in connection
  with the redemption or conversion of such share or otherwise, the Corporation
  may, notwithstanding the provisions hereof:</font> </P>
<P ALIGN="justify">&nbsp;</P>
<hr>
<p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;103&#150;</font></p>
<p>&nbsp;</p>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;give such notice by telex, telecopier or telegraph communication or by
  means of publication once in each of two successive weeks in a newspaper of
  general circulation published or distributed in Montr&eacute;al and Toronto
  and such notice shall be deemed to have been given on the date on which such
  telex, telecopier or telegraph communication was given or on the date on which
  the first publication has taken place; and</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;fulfill the requirement to send such cheque or such share certificate
  by arranging for delivery thereof to the principal office of the Corporation
  in Montr&eacute;al, and such cheque and/or certificate shall be deemed to have
  been sent on the date on which notice of such arrangement shall have been given
  as provided in (a) above, provided that as soon as the Corporation determines
  that mail service is no longer interrupted or threatened to be interrupted such
  cheque or share certificate, if not theretofore delivered to such holder, shall
  be sent by ordinary unregistered first class prepaid mail to the registered
  address of each person who at the date of mailing is a registered holder and
  who is entitled to receive such cheque or share certificate, or in the event
  of the address of any such holder not appearing on the securities register of
  the Corporation, then at the last address of such holder known to the Corporation.</FONT>
</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.16.13</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Listing
  of Series X Preferred Shares</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;Upon receipt of a Qualifying Listing Request, the Corporation shall use
  its reasonable best efforts to obtain within 120 days thereafter a conditional
  listing for the Series X Preferred Shares on the Exchange and thereafter, should
  such listing be obtained, to maintain a listing for so long as in the aggregate
  there are at least 1,000,000 Series X Preferred Shares and/or Series W Preferred
  Shares outstanding. For greater certainty, however, the Corporation shall not
  be in breach of its obligations hereunder if the Requesting Holders of such
  Qualifying Listing Request do not sell such number of Series X Preferred Shares
  to such number of holders so as to meet the then listing requirements of the
  Exchange. The Corporation shall pay all fees and costs incidental to obtaining
  and maintaining such listing.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.16.14</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Definitions</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;In the provisions herein contained attaching to the Series X Preferred
  Shares:</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;accrued and unpaid dividends&#148; means the aggregate of: (i) all
  unpaid dividends on the Series X Preferred Shares for any quarterly period;
  and (ii) the amount calculated as though dividends on each Series X Preferred
  Share had been accruing on a day-to-day basis from and including the date on
  which the last quarterly dividend was payable to but excluding the date to which
  the computation of accrued dividends is to be made; and</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;in priority to&#148;, &#147;on a parity with&#148; and &#147;junior
  to&#148; have reference to the order of priority in payment of dividends and
  in the distribution of assets in the event of any liquidation, dissolution or
  winding up of the Corporation, whether voluntary or involuntary, or other distribution
  of the assets of the Corporation among its shareholders for the purpose of winding
  up its affairs.</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.16.15</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Interpretation</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;In the event that any date on which any dividend on the Series X Preferred
  Shares is payable by the Corporation, or any date on or by which any other action
  is required to be taken by the Corporation or the holders of Series X Preferred
  Shares hereunder, is not a business day (as hereinafter defined), then such
  dividend shall be payable, or such other action shall be required to be taken,
  on or by the next succeeding day that is a business day. A &#147;business day&#148;
  shall be a day other than a Saturday, a Sunday or any other day that is treated
  as a holiday at the Corporation&#146;s principal office in Canada.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B>3.17</B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>Series
  Y Preferred Shares</B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The Series Y Preferred Shares shall, in addition to the rights, privileges,
  restrictions and conditions attaching to the First Preferred Shares as a class,
  carry and be subject to the following rights, privileges, restrictions and conditions:</font>
</P>
<P ALIGN="justify">&nbsp;</P>
<hr>
<p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;104&#150;</font></p>
<p>&nbsp;</p>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.17.1</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Dividend</I></B></FONT></P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.17.1.1</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Definitions</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;For the purposes hereof, the following capitalized terms shall have the
  following meanings, unless the context otherwise requires:</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Adjustment Factor&#148; for any Month means the percentage per annum,
  positive or negative, based on the Calculated Trading Price of the Series Y
  Preferred Shares for the preceding Month, determined in accordance with the
  following table:</FONT></P>
<table width="60%" border="0" align="center">
  <tr>
    <td width="60%"><div align="center"><u><font size="2" face="Arial, Helvetica, sans-serif">If
        Calculated Trading</font></u></div></td>
    <td width="40%"><div align="center"><u><font size="2" face="Arial, Helvetica, sans-serif">The
        Adjustment Factor as a</font></u></div></td>
  </tr>
  <tr>
    <td width="60%"><div align="center"><u><font size="2" face="Arial, Helvetica, sans-serif">Price
        Is</font></u></div></td>
    <td width="40%"><div align="center"><u><font size="2" face="Arial, Helvetica, sans-serif">Percentage
        of Prime Shall Be</font></u></div></td>
  </tr>
  <tr>
    <td width="60%"><font size="2" face="Arial, Helvetica, sans-serif">$25.50
      or more</font></td>
    <td width="40%"><div align="center"><font size="2" face="Arial, Helvetica, sans-serif">-4.00%</font></div></td>
  </tr>
  <tr>
    <td width="60%"><font size="2" face="Arial, Helvetica, sans-serif">$25.375
      and less than $25.50</font></td>
    <td width="40%"><div align="center"><font size="2" face="Arial, Helvetica, sans-serif">-3.00%</font></div></td>
  </tr>
  <tr>
    <td width="60%"><font size="2" face="Arial, Helvetica, sans-serif">$25.25
      and less than $25.375</font></td>
    <td width="40%"><div align="center"><font size="2" face="Arial, Helvetica, sans-serif">-2.00%</font></div></td>
  </tr>
  <tr>
    <td width="60%"><font size="2" face="Arial, Helvetica, sans-serif">$25.125
      and less than $25.25</font></td>
    <td width="40%"><div align="center"><font size="2" face="Arial, Helvetica, sans-serif">-1.00%</font></div></td>
  </tr>
  <tr>
    <td width="60%"><font size="2" face="Arial, Helvetica, sans-serif">Greater
      than $24.875 and less than $25.125</font></td>
    <td width="40%"><div align="center"><font size="2" face="Arial, Helvetica, sans-serif">nil</font></div></td>
  </tr>
  <tr>
    <td width="60%"><font size="2" face="Arial, Helvetica, sans-serif">Greater
      than $24.75 to $24.875</font></td>
    <td width="40%"><div align="center"><font size="2" face="Arial, Helvetica, sans-serif">1.00%</font></div></td>
  </tr>
  <tr>
    <td width="60%"><font size="2" face="Arial, Helvetica, sans-serif">Greater
      than $24.625 to $24.75</font></td>
    <td width="40%"><div align="center"><font size="2" face="Arial, Helvetica, sans-serif">2.00%</font></div></td>
  </tr>
  <tr>
    <td width="60%"><font size="2" face="Arial, Helvetica, sans-serif">Greater
      than $24.50 to $24.625</font></td>
    <td width="40%"><div align="center"><font size="2" face="Arial, Helvetica, sans-serif">3.00%</font></div></td>
  </tr>
  <tr>
    <td width="60%"><font size="2" face="Arial, Helvetica, sans-serif">$24.50
      or less</font></td>
    <td width="40%"><div align="center"><font size="2" face="Arial, Helvetica, sans-serif">4.00%
        </font></div></td>
  </tr>
</table>
<P ALIGN="center"><font size="2" face="Arial, Helvetica, sans-serif">The maximum
  Adjustment Factor for any Month will be &plusmn;4.00%.</font></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;If in any Month there is no trade on the Exchange of Series Y Preferred
  Shares of a board lot or more, the Adjustment Factor for the following Month
  shall be nil;</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Annual Dividend Rate&#148; means the Annual Fixed Dividend Rate
  or the Annual Floating Dividend Rate, whichever is provided by this section
  3.17.1 to be applicable at the relevant time;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Annual Fixed Dividend Rate&#148; means 4.60% per annum;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &#147;Annual Floating Dividend Rate&#148; means for any Month the rate of interest
  expressed as a percentage per annum (rounded to the nearest one-thousandth (1/1000)
  of one percent (0.001%)) which is equal to Prime multiplied by the Designated
  Percentage for such Month;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Banks&#148; means any two of Royal Bank of Canada, Bank of Montreal,
  The Bank of Nova Scotia, The Toronto-Dominion Bank and Canadian Imperial Bank
  of Commerce and any successor of any of them as may be designated from time
  to time by the Board of Directors by notice given to the transfer agent for
  the Series Y Preferred Shares, such notice to take effect on, and to be given
  at least two (2) business days prior to, the commencement of a particular Dividend
  Period and, until such notice is first given, means Royal Bank of Canada and
  The Toronto-Dominion Bank;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Calculated Trading Price&#148; for any Month means:</FONT> </P>
<div align="justify">
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(i)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="LEFT"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          the aggregate of the Daily Adjusted Trading Value for all Trading Days
          in such Month;</FONT> </P></TD>
    </TR>
  </TABLE>
  <font size="2" face="Arial, Helvetica, sans-serif"><BR>
  divided by<br>
  <br>
  </font>
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(ii)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="LEFT"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          the aggregate of the Daily Trading Volume for all Trading Days in such
          Month;</FONT> </P></TD>
    </TR>
  </TABLE>
</div>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(g)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Daily Accrued Dividend Deduction&#148; for any Trading Day means:</FONT>
</P>
<div align="justify">
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(i)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          the product obtained by multiplying the dividend accrued on a Series
          Y Preferred Share in respect of the Month in which the Trading Day falls
          by the number of days</FONT></P></TD>
    </TR>
  </TABLE>
  <p>&nbsp;</p>
  <hr>
  <p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;105&#150;</font></p>
  <p>&nbsp;</p>
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%">&nbsp;</TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          elapsed from but excluding the day prior to the Ex-Dividend Date immediately
          preceding such Trading Day to and including such Trading Day (or if
          such Trading Day is an Ex-Dividend Date, by one (1) day);</FONT> </P></TD>
    </TR>
  </TABLE>
  <p><font size="2" face="Arial, Helvetica, sans-serif">divided by </font> </p>
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(ii)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="LEFT"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          the number of days from and including such Ex-Dividend Date to but excluding
          the following Ex-Dividend Date;</FONT> </P></TD>
    </TR>
  </TABLE>
</div>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(h)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Daily Adjusted Trading Value&#148; for any Trading Day means:</FONT>
</P>
<div align="justify">
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(i)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          the aggregate dollar value of all transactions of Series Y Preferred
          Shares on the Exchange (made on the basis of the normal settlement period
          in effect on the Exchange) occurring during such Trading Day;</FONT>
        </P></TD>
    </TR>
  </TABLE>
</div>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">less</FONT></P>
<div align="justify">
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(ii)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="LEFT"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          the Daily Trading Volume for such Trading Day multiplied by the Daily
          Accrued Dividend Deduction for such Trading Day;</FONT> </P></TD>
    </TR>
  </TABLE>
  <p><font size="2" face="Arial, Helvetica, sans-serif">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    &nbsp;&#147;Daily Trading Volume&#148; for any Trading Day means the aggregate
    number of Series Y Preferred Shares traded in all transactions (made on the
    basis of the normal settlement period in effect on the Exchange) occurring
    during such Trading Day on the Exchange;</font> <font size="2" face="Arial, Helvetica, sans-serif">
    </font> </p>
</div>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(j)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Deemed Record Date&#148; means the last Trading Day of a Month with
  respect to which no dividend is declared by the Board of Directors;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(k)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &#147;Designated Percentage&#148; for the Month of December 2002, means 80 percent
  (80%) and for each Month thereafter means the Adjustment Factor for such Month
  plus the Designated Percentage for the preceding Month, provided that the Annual
  Floating Dividend Rate for any Month shall in no event be less than 50% of Prime
  for such Month or more than 100% of Prime for such Month;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(l)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Dividend Payment Date&#148; means:</FONT> </P>
<div align="justify">
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(i)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="LEFT"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          during the Fixed Rate Period, the first day of each of March, June,
          September and December in each year; and</FONT> </P></TD>
    </TR>
  </TABLE>
  <font size="2" face="Arial, Helvetica, sans-serif"><BR>
  </font>
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(ii)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="LEFT"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          during the Floating Rate Period, the twelfth day of each Month commencing
          with the Month of January 2003;</FONT> </P></TD>
    </TR>
  </TABLE>
  <font size="2" face="Arial, Helvetica, sans-serif"><BR>
  &nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp; and the first Dividend Payment Date shall
  be March 1, 1998; </font> </div>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(m)&nbsp;&nbsp;&nbsp;&nbsp;
  &#147;Dividend Period&#148; means:</FONT> </P>
<div align="justify">
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(i)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          during the Fixed Rate Period, the period from and including a Dividend
          Payment Date to but not including the next succeeding Dividend Payment
          Date; and</FONT> </P></TD>
    </TR>
  </TABLE>
  <font size="2" face="Arial, Helvetica, sans-serif"><BR>
  </font>
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(ii)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="LEFT"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          during the Floating Rate Period, a Month;</FONT> </P></TD>
    </TR>
  </TABLE>
</div>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(n)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Ex-Dividend Date&#148; means:</FONT> </P>
<div align="justify">
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(i)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          the Trading Day which, under the rules or normal practices of the Exchange,
          is designated or recognized as the ex-dividend date relative to any
          dividend record date for the Series Y Preferred Shares; or</FONT> </P></TD>
    </TR>
  </TABLE>
  <font size="2" face="Arial, Helvetica, sans-serif"><BR>
  </font>
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(ii)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          if the Board of Directors fails to declare a dividend in respect of
          a Month, the Trading Day which, under the rules or normal practices
          of the Exchange, would be </FONT> </P></TD>
    </TR>
  </TABLE>
  <p>&nbsp;</p>
  <hr>
  <p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;106&#150;</font></p>
  <p>&nbsp;</p>
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%">&nbsp;</TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          recognized as the Ex-Dividend Date relative to any Deemed Record Date
          for the Series Y Preferred Shares;</FONT> </P></TD>
    </TR>
  </TABLE>
  <p><FONT size="2" FACE="Arial, Helvetica, sans-serif">(o)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    &nbsp;&#147;Exchange&#148; means The Montreal Exchange or The Toronto Stock
    Exchange or such other exchange or trading market in Canada as may be determined
    from time to time by the Corporation as being the principal trading market
    for the Series Y Preferred Shares;</FONT> </p>
</div>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(p)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Fixed Rate Period&#148; means the period commencing with the date
  of issue of the Series Y Preferred Shares and ending on and including November
  30, 2002;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(q)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Floating Rate Period&#148; means the period commencing immediately
  after the end of the Fixed Rate Period and continuing for so long as any of
  the Series Y Preferred Shares shall be outstanding;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(r)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Month&#148; means a calendar month;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(s)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Prime&#148; for a Month means the average (rounded to the nearest
  one-thousandth (1/1000) of one percent (0.001%)) of the Prime Rate in effect
  on each day of such Month;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(t)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Prime Rate&#148; for any day means the average (rounded to the nearest
  one-thousandth (1/1000) of one percent (0.001%)) of the annual rates of interest
  announced from time to time by the Banks as the reference rates then in effect
  for such day for determining interest rates on Canadian dollar commercial loans
  made to prime commercial borrowers in Canada. If one of the Banks does not have
  such an interest rate in effect on a day, the Prime Rate for such day shall
  be such interest rate in effect for that day of the other Bank; if both Banks
  do not have such an interest rate in effect on a day, the Prime Rate for that
  day shall be equal to one and a half percent (1.5%) per annum plus the average
  yield expressed as a percentage per annum on 91-day Government of Canada Treasury
  Bills, as reported by the Bank of Canada, for the weekly tender for the week
  immediately preceding that day; and if both of such Banks do not have such an
  interest rate in effect on a day and the Bank of Canada does not report such
  average yield per annum, the Prime Rate for that day shall be equal to the Prime
  Rate for the next preceding day. The Prime Rate and Prime shall be determined
  from time to time by an officer of the Corporation from quotations supplied
  by the Banks or otherwise publicly available. Such determination shall, in the
  absence of manifest error, be final and binding upon the Corporation and upon
  all holders of Series Y Preferred Shares;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(u)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp; &#147;Trading Day&#148; means, if the Exchange is a stock exchange in
  Canada, a day on which the Exchange is open for trading or, in any other case,
  a business day.</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.17.1.2</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>General</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The holders of the Series Y Preferred Shares shall be entitled to receive
  cumulative preferred cash dividends, as and when declared by the Board of Directors,
  out of moneys of the Corporation properly applicable to the payment of dividends,
  at the rates and times herein provided. Dividends on the Series Y Preferred
  Shares shall accrue on a daily basis from and including the date of issue thereof,
  and shall be payable quarterly during the Fixed Rate Period and monthly during
  the Floating Rate Period. Payment of the dividend on the Series Y Preferred
  Shares payable on any Dividend Payment Date (less any tax required to be deducted)
  shall be made by cheque at par in lawful money of Canada payable at any branch
  in Canada of the Corporation&#146;s bankers.</font> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;Dividends declared on the Series Y Preferred Shares shall (except in case
  of redemption in which case payment of dividends shall be made on surrender
  of the certificate representing the Series Y Preferred Shares to be redeemed)
  be paid by posting in a postage paid envelope addressed to each holder of the
  Series Y Preferred Shares at the last address of such holder as it appears on
  the securities register of the Corporation or, in the event of the address of
  any holder not so appearing, then to the address of such holder last known to
  the Corporation, or, in the case of joint holders, to the address of that one
  whose name appears first in the securities register of the Corporation as one
  of such joint holders, a cheque for such dividends (less any tax required to
  be deducted) payable to the order of such holder or, in the case of joint holders,
  to the order of all such holders failing written instructions from them to the
  contrary. Notwithstanding the foregoing, any dividend cheque may be delivered
  by the Corporation to a holder of Series Y Preferred Shares at his address as
  aforesaid. The posting or delivery of such cheque shall be deemed to be payment
  and shall satisfy and discharge all liabilities for the </font></P>
<P ALIGN="justify">&nbsp;</P>
<hr>
<p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;107&#150;</font></p>
<p>&nbsp;</p>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">payment
  of such dividends to the extent of the sum represented thereby (plus the amount
  of any tax required to be deducted as aforesaid) unless such cheque is not paid
  on due presentation.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.17.1.3</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Fixed
  Rate Period</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;During the Fixed Rate Period, the dividends in respect of the Series Y
  Preferred Shares shall be payable quarterly at the Annual Fixed Dividend Rate.
  Accordingly, on each Dividend Payment Date during the Fixed Rate Period, other
  than March 1, 1998, but including December 1, 2002, the dividend payable shall
  be $0.2875 per Series Y Preferred Share. The amount of the first quarterly dividend
  payable on each Series Y Preferred Share on March 1, 1998, shall be $0.23 per
  share.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.17.1.4</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Floating
  Rate Period</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;During the Floating Rate Period, the dividends in respect of the Series
  Y Preferred Shares shall be payable monthly at the Annual Floating Dividend
  Rate as calculated from time to time. Accordingly, on each Dividend Payment
  Date during the Floating Rate Period, the dividend payable on the Series Y Preferred
  Shares shall be that amount (rounded to the nearest one-thousandth (1/1000)
  of one cent) obtained by multiplying $25.00 by the Annual Floating Dividend
  Rate applicable to the Month preceding such Dividend Payment Date and by dividing
  the product by twelve. The record date for the purpose of determining holders
  of Series Y Preferred Shares entitled to receive dividends on each Dividend
  Payment Date during the Floating Rate Period shall be the last Trading Day of
  the next preceding Month. In the event of the redemption or purchase of the
  Series Y Preferred Shares during the Floating Rate Period or the distribution
  of the assets of the Corporation during the Floating Rate Period as contemplated
  by section 3.17.2 hereof, the amount of the dividend which has accrued during
  the Month in which such redemption, purchase or distribution occurs shall be
  the amount (rounded to the nearest one-thousandth (1/1000) of one cent) calculated
  by multiplying:</font> </P>
<div align="justify">
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(i)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          the amount obtained by multiplying $25.00 by one-twelfth (1/12) of the
          Annual Floating Dividend Rate applicable to the preceding Month; by</FONT></P></TD>
    </TR>
  </TABLE>
  <br>
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(ii)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          a fraction of which the numerator is the number of days elapsed in the
          Month in which such redemption, purchase or distribution occurs up to
          but not including the date of such event and the denominator of which
          is the number of days in that Month.</FONT> </P></TD>
    </TR>
  </TABLE>
</div>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.17.1.5</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Calculation
  of Designated Percentage</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The Corporation shall as promptly as practicable calculate the Designated
  Percentage for each Month and give notice thereof to all stock exchanges in
  Canada on which the Series Y Preferred Shares are listed for trading or if the
  Series Y Preferred Shares are not listed on a stock exchange in Canada to the
  Investment Dealers Association of Canada.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.17.2</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Rights
  on Liquidation</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;In the event of the liquidation, dissolution or winding up of the Corporation
  or any other distribution of assets of the Corporation for the purpose of winding
  up its affairs, the holders of the Series Y Preferred Shares shall be entitled
  to receive $25.00 per Series Y Preferred Share together with all dividends accrued
  and unpaid up to but excluding the date of payment or distribution, before any
  amounts shall be paid or any assets of the Corporation distributed to the holders
  of the Common Shares of the Corporation or any other shares ranking junior to
  the Series Y Preferred Shares. Upon payment of such amounts, the holders of
  the Series Y Preferred Shares shall not be entitled to share in any further
  distribution of the property or assets of the Corporation.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.17.3</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Redemption
  at the Option of the Corporation</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The Corporation may not redeem any of the Series Y Preferred Shares prior
  to December 1, 2002. Subject to applicable law and section 3.17.5 hereof, upon
  giving notice as hereinafter provided, the Corporation may: i) on December 1,
  2002 redeem all, but not less than all, of the outstanding Series Y Preferred
  </font></P>
<P ALIGN="justify">&nbsp;</P>
<hr>
<p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;108&#150;</font></p>
<p>&nbsp;</p>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">Shares,
  on payment of $25.00 for each such share to be redeemed; and ii) subsequent
  to December 1, 2002 redeem at any time all, but not less than all, of the outstanding
  Series Y Preferred Shares, on payment of $25.50 for each such share to be redeemed,
  in each case, together with accrued and unpaid dividends up to but excluding
  the date fixed for redemption, the whole constituting the redemption price.</font>
</P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The Corporation shall give notice in writing not less than 45 days nor
  more than 60 days prior to the date on which the redemption is to take place
  to each person who at the date of giving such notice is the holder of Series
  Y Preferred Shares to be redeemed of the intention of the Corporation to redeem
  such shares; such notice shall be given by posting the same in a postage paid
  envelope addressed to each holder of Series Y Preferred Shares to be redeemed
  at the last address of such holder as it appears on the securities register
  of the Corporation or, in the event of the address of any holder not so appearing,
  then to the address of such holder last known to the Corporation, provided that
  the accidental failure or omission to give any such notices as aforesaid to
  one or more of such holders shall not affect the validity of the redemption
  as to the other holders of the Series Y Preferred Shares to be redeemed. Such
  notice shall set out the number of such Series Y Preferred Shares held by the
  person to whom it is addressed which are to be redeemed and the redemption price
  and shall also set out the date on which the redemption is to take place, and
  on and after the date so specified for redemption the Corporation shall pay
  or cause to be paid to the holders of such Series Y Preferred Shares to be redeemed
  the redemption price on presentation and surrender at any place or places within
  Canada designated by such notice, of the certificate or certificates for such
  Series Y Preferred Shares so called for redemption; such payment shall be made
  by cheque payable at par at any branch in Canada of the Corporation&#146;s bankers;
  from and after the date specified in any such notice, the Series Y Preferred
  Shares called for redemption shall cease to be entitled to dividends and the
  holders thereof shall not be entitled to exercise any of the rights of shareholders
  in respect thereof unless payment of the redemption price shall not be duly
  made by the Corporation; at any time after notice of redemption is given as
  aforesaid, the Corporation shall have the right to deposit the redemption price
  of any or all Series Y Preferred Shares called for redemption with any chartered
  bank or banks or with any trust company or trust companies in Canada named in
  the notice of redemption to the credit of a special account or accounts in trust
  for the respective holders of such shares, to be paid to them respectively upon
  surrender to such bank or banks or trust company or trust companies of the certificate
  or certificates representing the same, and upon such deposit or deposits being
  made, such shares shall be redeemed on the redemption date specified in the
  notice of redemption; after the Corporation has made a deposit as aforesaid
  with respect to any shares, the holders thereof shall not, from and after the
  redemption date, be entitled to exercise any of the rights of shareholders in
  respect thereof and the rights of the holders thereof shall be limited to receiving
  the proportion of the amounts so deposited applicable to such shares, without
  interest; any interest allowed on such deposit shall belong to the Corporation.</font>
</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.17.4</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Conversion
  of Series Y Preferred Shares</I></B></FONT></P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.17.4.1</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Conversion
  at the Option of the Holder</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;Holders of Series Y Preferred Shares shall have the right, at their option,
  on December 1, 2002 and on December 1 in every fifth year thereafter (a &#147;Conversion
  Date&#148;), to convert, subject to the terms and conditions hereof, all or
  any Series Y Preferred Shares registered in their name into Series Z Preferred
  Shares of the Corporation on the basis of one (1) Series Z Preferred Share for
  each Series Y Preferred Share. The Corporation shall give notice in writing
  to the then holders of the Series Y Preferred Shares of the Selected Percentage
  Rate (as defined in section 3.18.1.1 of the articles of the Corporation relating
  to the Series Z Preferred Shares) determined by the Board of Directors to be
  applicable for the next succeeding Fixed Dividend Rate Period (as defined in
  section 3.18.1.1 of the articles of the Corporation relating to the Series Z
  Preferred Shares) and of the conversion right provided for herein; such notice
  shall be given by posting the same in a postage paid envelope addressed to each
  holder of the Series Y Preferred Shares at the last address of such holder as
  it appears on the securities register of the Corporation or, in the event of
  the address of any holder not so appearing, then to the address of such holder
  last known to the Corporation. Such notice shall set out the Conversion Date
  and shall be given not less than 45 days nor more than 60 days prior to the
  applicable Conversion Date.</font> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;If the Corporation gives notice as provided in section 3.17.3 to the holders
  of the Series Y Preferred Shares of the redemption of all the Series Y Preferred
  Shares, the Corporation shall not be required to give notice as provided in
  this section 3.17.4.1 to the holders of the Series Y Preferred Shares of a Selected
  Percentage Rate (as defined in section 3.18.1.1 of the articles of the Corporation
  relating to the Series Z Preferred Shares) for the Series Z Preferred Shares
  or of the conversion right and the right of any holder of Series Y </font></P>
<P ALIGN="justify">&nbsp;</P>
<hr>
<p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;109&#150;</font></p>
<p>&nbsp;</p>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">Preferred
  Shares to convert such Series Y Preferred Shares as herein provided shall cease
  and terminate in that event.</font> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;Holders of Series Y Preferred Shares shall not be entitled to convert
  their shares into Series Z Preferred Shares if, following the close of business
  on the 14th day preceding a Conversion Date, the Corporation determines that
  there would remain outstanding on the Conversion Date less than 1,000,000 Series
  Z Preferred Shares, after taking into account all Series Y Preferred Shares
  tendered for conversion into Series Z Preferred Shares and all Series Z Preferred
  Shares tendered for conversion into Series Y Preferred Shares. The Corporation
  shall give notice in writing thereof, in accordance with the provisions of the
  first paragraph of this section 3.17.4.1, to all affected holders of Series
  Y Preferred Shares at least seven (7) days prior to the applicable Conversion
  Date and will issue and deliver, or cause to be delivered, prior to such Conversion
  Date, at the expense of the Corporation, to such holders of Series Y Preferred
  Shares, who have surrendered for conversion any certificate or certificates
  representing Series Y Preferred Shares, new certificates representing the Series
  Y Preferred Shares represented by any certificate or certificates surrendered
  as aforesaid.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.17.4.2</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Automatic
  Conversion</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;If following the close of business on the 14th day preceding a Conversion
  Date the Corporation determines that there would remain outstanding on the Conversion
  Date less than 1,000,000 Series Y Preferred Shares after taking into account
  all Series Y Preferred Shares tendered for conversion into Series Z Preferred
  Shares and all Series Z Preferred Shares tendered for conversion into Series
  Y Preferred Shares, then, all, but not part, of the remaining outstanding Series
  Y Preferred Shares shall automatically be converted into Series Z Preferred
  Shares on the basis of one (1) Series Z Preferred Share for each Series Y Preferred
  Share on the applicable Conversion Date and the Corporation shall give notice
  in writing thereof, in accordance with the provisions of section 3.17.4.1, to
  the holders of such remaining Series Y Preferred Shares at least seven (7) days
  prior to the Conversion Date.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.17.4.3</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Manner
  of Exercise of Conversion Privilege</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The conversion of Series Y Preferred Shares may be effected by surrender
  of the certificate or certificates representing the same not earlier than 45
  days prior to a Conversion Date but not later than the close of business on
  the 14th day preceding a Conversion Date during usual business hours at any
  office of any transfer agent of the Corporation at which the Series Y Preferred
  Shares are transferable accompanied by: i) payment or evidence of payment of
  the tax (if any) payable as provided in this section 3.17.4.3; and ii) a written
  instrument of surrender in form satisfactory to the Corporation duly executed
  by the holder, or his attorney duly authorized in writing, in which instrument
  such holder may also elect to convert part only of the Series Y Preferred Shares
  represented by such certificate or certificates not theretofore called for redemption
  in which event the Corporation shall issue and deliver or cause to be delivered
  to such holder, at the expense of the Corporation, a new certificate representing
  the Series Y Preferred Shares represented by such certificate or certificates
  which have not been converted.</font> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;In the event the Corporation is required to convert all remaining outstanding
  Series Y Preferred Shares into Series Z Preferred Shares on the applicable Conversion
  Date as provided for in section 3.17.4.2, the Series Y Preferred Shares, in
  respect of which the holders have not previously elected to convert, shall be
  converted on the Conversion Date into Series Z Preferred Shares and the holders
  thereof shall be deemed to be holders of Series Z Preferred Shares at the close
  of business on the Conversion Date and shall be entitled, upon surrender during
  usual business hours at any office of any transfer agent of the Corporation
  at which the Series Y Preferred Shares were transferable of the certificate
  or certificates representing Series Y Preferred Shares not previously surrendered
  for conversion, to receive a certificate or certificates representing the same
  number of Series Z Preferred Shares in the manner and subject to the terms and
  provisions as provided in this section 3.17.4.3.</font> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;As promptly as practicable after the Conversion Date, the Corporation
  shall issue and deliver, or cause to be delivered to or upon the written order
  of the holder of the Series Y Preferred Shares so surrendered, a certificate
  or certificates, issued in the name of, or in such name or names as may be directed
  by, such holder representing the number of fully-paid and non-assessable Series
  Z Preferred Shares and the number of remaining Series Y Preferred Shares, if
  any, to which such holder is entitled. Such conversion shall be deemed to have
  been made at the close of business on the Conversion Date, so that the rights
  of the holder of </font></P>
<P ALIGN="justify">&nbsp;</P>
<hr>
<p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;110&#150;</font></p>
<p>&nbsp;</p>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">such Series
  Y Preferred Shares as the holder thereof shall cease at such time and the person
  or persons entitled to receive Series Z Preferred Shares upon such conversion
  shall be treated for all purposes as having become the holder or holders of
  record of such Series Z Preferred Shares at such time.</font> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The holder of any Series Y Preferred Share on the record date for any
  dividend declared payable on such share shall be entitled to such dividend notwithstanding
  that such share is converted into a Series Z Preferred Share after such record
  date and on or before the date of the payment of such dividend.</font> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The issuance of certificates for the Series Z Preferred Shares upon the
  conversion of Series Y Preferred Shares shall be made without charge to the
  converting holders of Series Y Preferred Shares for any fee or tax in respect
  of the issuance of such certificates or the Series Z Preferred Shares represented
  thereby; provided, however, that the Corporation shall not be required to pay
  any tax which may be imposed upon the person or persons to whom such Series
  Z Preferred Shares are issued in respect of the issuance of such Series Z Preferred
  Shares or the certificate therefor or which may be payable in respect of any
  transfer involved in the issuance and delivery of any such certificate in a
  name or names other than that of the holder of the Series Y Preferred Shares
  converted, and the Corporation shall not be required to issue or deliver such
  certificate unless the person or persons requesting the issuance thereof shall
  have paid to the Corporation the amount of such tax or shall have established
  to the satisfaction of the Corporation that such tax has been paid.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.17.4.4</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Status
  of Converted Series Y Preferred Shares</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;All Series Y Preferred Shares converted into Series Z Preferred Shares
  on a Conversion Date shall not be cancelled but shall be restored to the status
  of authorized but unissued shares of the Corporation as at the close of business
  on the Conversion Date.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.17.5</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Restrictions
  on Dividends and Retirement of Shares</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;Without the approval of the holders of outstanding Series Y Preferred
  Shares:</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;the Corporation shall not declare, pay or set apart for payment any dividends
  (other than stock dividends payable in shares of the Corporation ranking junior
  to the Series Y Preferred Shares) on the Common Shares of the Corporation or
  any other shares of the Corporation ranking junior to the Series Y Preferred
  Shares;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;the Corporation shall not redeem, purchase or otherwise retire or make
  any capital distribution on or in respect of the Common Shares of the Corporation
  or any other shares of the Corporation ranking junior to the Series Y Preferred
  Shares (except out of the net cash proceeds of a substantially concurrent issue
  of shares of the Corporation ranking junior to the Series Y Preferred Shares);</FONT>
</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  the Corporation shall not purchase or otherwise retire less than all of the
  Series Y Preferred Shares then outstanding; or</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  the Corporation shall not redeem, purchase or otherwise retire (except in connection
  with the exercise of any retraction privilege or any mandatory redemption obligation
  attaching thereto) any shares of any class or series ranking on a parity with
  the Series Y Preferred Shares provided that, for greater certainty, the covenant
  in this clause (d) shall not limit or affect any such action in respect of any
  class of shares ranking in priority to the Series Y Preferred Shares;</FONT>
</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">unless,
  in each such case, all cumulative dividends on outstanding Series Y Preferred
  Shares accrued up to and including the dividend payable for the last completed
  period for which dividends were payable shall have been declared and paid.</FONT>
</P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;Any approval of the holders of Series Y Preferred Shares required to be
  given pursuant to this section 3.17.5 may be given in accordance with the second
  paragraph of section 3.17.7 and section 3.17.10. Notwithstanding the provisions
  of section 3.17.10 hereof, any approval required to be given pursuant to this
  section 3.17.5 shall be required to be given only by the affirmative vote of
  the holders of the majority of the Series Y Preferred Shares present or represented
  at a meeting, or adjourned meeting, of the holders of Series Y Preferred Shares
  duly called for the purpose and at which a quorum is present.</font> </P>
<p>&nbsp;</p>
<div align="justify">
  <hr>
  <p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;111&#150;</font></p>
  <p>&nbsp;</p>
  <p><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.17.6</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Purchase
    for Cancellation</I></B></FONT></p>
  <p><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    &nbsp;The Corporation may at any time purchase for cancellation the whole
    or any part of the Series Y Preferred Shares outstanding from time to time,
    in the open market through or from an investment dealer or any firm holding
    membership on a recognized stock exchange, or by private agreement or otherwise,
    at the lowest price or prices at which in the opinion of the Board of Directors
    such shares are obtainable.</font></p>
  <p><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.17.7</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Voting
    Rights</I></B></FONT> </p>
</div>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;If the Corporation fails to pay eight (8) dividends on the Series Y Preferred
  Shares, whether or not consecutive, the holders of the Series Y Preferred Shares
  shall have the right to receive notice of, and to attend, each meeting of shareholders
  of the Corporation which takes place more than 60 days after the date on which
  the failure first occurs (other than a separate meeting of the holders of another
  series or class of shares) and such holders shall also have the right, at any
  such meeting, to one (1) vote for each Series Y Preferred Share held, until
  all such arrears of dividends on the Series Y Preferred Shares shall have been
  paid whereupon such rights shall cease unless and until the same default shall
  again arise under the provisions of this section 3.17.7.</font></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;In connection with any actions to be taken by the Corporation which require
  the approval of the holders of the Series Y Preferred Shares voting as a series
  or as part of a class, each Series Y Preferred Share shall entitle the holder
  thereof to one (1) vote for such purpose.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.17.8</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Issue
  of Additional Preferred Shares</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The Corporation may issue additional series of First Preferred Shares
  ranking on a parity with the Series Y Preferred Shares without the authorization
  of the holders of the Series Y Preferred Shares.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.17.9</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Modifications</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The provisions attaching to the Series Y Preferred Shares as a series
  may be repealed, altered, modified or amended from time to time with such approval
  as may then be required by the <I>Canada Business Corporations Act</I>, any
  such approval to be given in accordance with section 3.17.10.</font> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;None of the series provisions of the articles of the Corporation relating
  to the Series Y Preferred Shares shall be amended or otherwise changed unless,
  contemporaneously therewith, the series provisions, if any, relating to the
  Series Z Preferred Shares are, to the extent deemed required by the Corporation,
  amended or otherwise changed in the same proportion and in the same manner.</font>
</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.17.10</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Approval
  of Holders of Series Y Preferred Shares</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;Any approval given by the holders of the Series Y Preferred Shares shall
  be deemed to have been sufficiently given if it shall have been given by the
  holders of Series Y Preferred Shares as provided in the provisions attaching
  to the First Preferred Shares as a class, which provisions shall apply <I>mutatis
  mutandis</I>.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.17.11</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Tax
  Election</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The Corporation shall elect, in the manner and within the time provided
  under the <I>Income Tax Act </I>(Canada), under subsection 191.2(1) of the said
  Act, or any successor or replacement provision of similar effect, and take all
  other necessary action under such Act, to pay tax at a rate such that no holder
  of the Series Y Preferred Shares will be required to pay tax on dividends received
  on the Series Y Preferred Shares under section 187.2 of Part IV.I of such Act
  or any successor or replacement provision of similar effect.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.17.12</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Mail
  Service Interruption</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;If the Corporation determines that mail service is, or is threatened to
  be, interrupted at the time when the Corporation is required or elects to give
  any notice hereunder by mail, or is required to send any cheque or any share
  certificate to the holder of any Series Y Preferred Shares, whether in connection
  with the redemption or conversion of such share or otherwise, the Corporation
  may, notwithstanding the provisions hereof:</font> </P>
<P ALIGN="justify">&nbsp;</P>
<hr>
<p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;112&#150;</font></p>
<P ALIGN="justify">&nbsp;</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;give such notice by telex, telecopier or telegraph communication or by
  means of publication once in each of two successive weeks in a newspaper of
  general circulation published or distributed in Montr&eacute;al and Toronto
  and such notice shall be deemed to have been given on the date on which such
  telex, telecopier or telegraph communication was given or on the date on which
  the first publication has taken place; and</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;fulfill the requirement to send such cheque or such share certificate
  by arranging for delivery thereof to the principal office of the Corporation
  in Montr&eacute;al, and such cheque and/or certificate shall be deemed to have
  been sent on the date on which notice of such arrangement shall have been given
  as provided in (a) above, provided that as soon as the Corporation determines
  that mail service is no longer interrupted or threatened to be interrupted such
  cheque or share certificate, if not theretofore delivered to such holder, shall
  be sent by ordinary unregistered first class prepaid mail to the registered
  address of each person who at the date of mailing is a registered holder and
  who is entitled to receive such cheque or share certificate, or in the event
  of the address of any such holder not appearing on the securities register of
  the Corporation, then at the last address of such holder known to the Corporation.</FONT>
</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.17.13</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Notice
  of Annual Dividend Rate Applicable to the Series Z Preferred Shares</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;Within three (3) business days of the determination of the Annual Dividend
  Rate (as defined in section 3.18.1.1 of the articles of the Corporation relating
  to the Series Z Preferred Shares) the Corporation shall give notice thereof
  to the holders of the Series Y Preferred Shares by publication once in the national
  edition of The Globe and Mail in the English language and once in the City of
  Montr&eacute;al in both the French and English languages in a daily newspaper
  of general circulation in Montr&eacute;al; provided that if any such newspaper
  is not being generally circulated at that time, such notice shall be published
  in another equivalent publication.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.17.14</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Definitions</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;In the provisions herein contained attaching to the Series Y Preferred
  Shares:</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;accrued and unpaid dividend&#148; means: i) during the Fixed Rate
  Period, the aggregate of (A) all unpaid dividends on the Series Y Preferred
  Shares for any Dividend Period and (B) the amount calculated as though dividends
  on each Series Y Preferred Share had been accruing on a day-to-day basis from
  and including the date on which the last quarterly dividend was payable to but
  excluding the date to which the computation of accrued dividends is to be made;
  and ii) during the Floating Rate Period, the aggregate of (A) all unpaid dividends
  on the Series Y Preferred Shares for any Dividend Period and (B) the amount
  calculated as though dividends on each Series Y Preferred Share had been accruing
  on a day-to-day basis from and including the first day of the Month immediately
  following the Dividend Period with respect to which the last monthly dividend
  will be or was, as the case may be, payable to but excluding the date to which
  the computation of accrued dividends is to be made; and</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;in priority to&#148;, &#147;on a parity with&#148; and &#147;junior
  to&#148; have reference to the order of priority in payment of dividends and
  in the distribution of assets in the event of any liquidation, dissolution or
  winding up of the Corporation, whether voluntary or involuntary, or other distribution
  of the assets of the Corporation among its shareholders for the purpose of winding
  up its affairs.</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.17.15</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Interpretation</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;In the event that any date on which any dividend on the Series Y Preferred
  Shares is payable by the Corporation, or any date on or by which any other action
  is required to be taken by the Corporation or the holders of Series Y Preferred
  Shares hereunder, is not a business day (as hereinafter defined), then such
  dividend shall be payable, or such other action shall be required to be taken,
  on or by the next succeeding day that is a business day. A &#147;business day&#148;
  shall be a day other than a Saturday, a Sunday or any other day that is treated
  as a holiday at the Corporation&#146;s principal office in Canada.</font> </P>
<P ALIGN="justify">&nbsp;</P>
<hr>
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<P ALIGN="justify">&nbsp;</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B>3.18</B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>Series
  Z Preferred Shares</B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The Series Z Preferred Shares shall, in addition to the rights, privileges,
  restrictions and conditions attaching to the First Preferred Shares as a class,
  carry and be subject to the following rights, privileges, restrictions and conditions:</font>
</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.18.1</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Dividend</I></B></FONT></P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.18.1.1</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Definitions</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;For the purposes hereof, the following capitalized terms shall have the
  following meanings, unless the context otherwise requires:</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Annual Dividend Rate&#148; means for any Fixed Dividend Rate Period
  the rate of interest expressed as a percentage per annum (rounded to the nearest
  one-thousandth of one percent (0.001%)) which is equal to the Government of
  Canada Yield multiplied by the Selected Percentage Rate for such Fixed Dividend
  Rate Period;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Dividend Payment Date&#148; means the first day of each of March,
  June, September and December in each year;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Fixed Dividend Rate Period&#148; means for the initial Fixed Dividend
  Rate Period, the period commencing on December 1, 2002 and ending on and including
  November 30, 2007 and for each succeeding Fixed Dividend Rate Period, the period
  commencing on the day immediately following the end of the immediately preceding
  Fixed Dividend Rate Period and ending on and including November 30 in the fifth
  year immediately thereafter;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Government of Canada Yield&#148; on any date shall mean the average
  of the yields determined by two registered Canadian investment dealers, selected
  by the Board of Directors, as being the yield to maturity on such date compounded
  semi-annually and calculated in accordance with generally accepted financial
  practice, which a non-callable Government of Canada Bond would carry if issued
  in Canadian dollars in Canada at 100% of its principal amount on such date with
  a term to maturity of five years; and</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Selected Percentage Rate&#148; for each Fixed Dividend Rate Period
  means the rate of interest, expressed as a percentage of the Government of Canada
  Yield, determined by the Board of Directors as set forth in the notice to the
  holders of the Series Z Preferred Shares given in accordance with the provisions
  of section 3.18.4.1, which rate of interest shall be not less than 80% of the
  Government of Canada Yield.</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.18.1.2</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>General</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The holders of the Series Z Preferred Shares shall be entitled to receive
  fixed, cumulative, preferred cash dividends, as and when declared by the Board
  of Directors, out of moneys of the Corporation properly applicable to the payment
  of dividends, in the amount per share per annum determined by multiplying the
  Annual Dividend Rate by $25.00, payable quarterly in respect of each 12 month
  period on the first day of March, June, September and December by cheque at
  par in lawful money of Canada at any branch in Canada of the Corporation&#146;s
  bankers.</font> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;Dividends declared on the Series Z Preferred Shares shall (except in case
  of redemption in which case payment of dividends shall be made on surrender
  of the certificate representing the Series Z Preferred Shares to be redeemed)
  be paid by posting in a postage paid envelope addressed to each holder of the
  Series Z Preferred Shares at the last address of such holder as it appears on
  the securities register of the Corporation or, in the event of the address of
  any holder not so appearing, then to the address of such holder last known to
  the Corporation, or, in the case of joint holders, to the address of that one
  whose name appears first in the securities register of the Corporation as one
  of such joint holders, a cheque for such dividends (less any tax required to
  be deducted) payable to the order of such holder or, in the case of joint holders,
  to the order of all such holders failing written instructions from them to the
  contrary. Notwithstanding the foregoing, any dividend cheque may be delivered
  by the Corporation to a holder of Series Z Preferred Shares at his address as
  aforesaid. The posting or delivery of such cheque shall be deemed to be payment
  and shall satisfy and discharge all liabilities for the </font></P>
<P ALIGN="justify">&nbsp;</P>
<hr>
<p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;114&#150;</font></p>
<P ALIGN="justify">&nbsp;</P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">payment
  of such dividends to the extent of the sum represented thereby (plus the amount
  of any tax required to be deducted as aforesaid) unless such cheque is not paid
  on due presentation.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.18.1.3</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Calculation
  of Annual Dividend Rate</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The Corporation shall calculate on the 21st day prior to the first day
  of each Fixed Dividend Rate Period the Annual Dividend Rate for each Fixed Dividend
  Rate Period based upon the Selected Percentage Rate and the Government of Canada
  Yield in effect at 10:00 A.M. (Montr&eacute;al time) on the said 21st day prior
  to the first day of each Fixed Dividend Rate Period and give notice thereof:
  (i) within one (1) business day to all stock exchanges in Canada on which the
  Series Z Preferred Shares are listed for trading or if the Series Z Preferred
  Shares are not listed on a stock exchange in Canada, to the Investment Dealers
  Association of Canada; and (ii) within three (3) business days to, except in
  relation to the initial Fixed Dividend Rate Period, the holders of the Series
  Z Preferred Shares by publication once in the national edition of The Globe
  and Mail in the English language and once in the City of Montr&eacute;al in
  both the French and English languages in a daily newspaper of general circulation
  in Montr&eacute;al; provided that if any such newspaper is not being generally
  circulated at that time, such notice shall be published in another equivalent
  publication.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.18.2</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Rights
  on Liquidation</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;In the event of the liquidation, dissolution or winding up of the Corporation
  or any other distribution of assets of the Corporation for the purpose of winding
  up its affairs, the holders of the Series Z Preferred Shares shall be entitled
  to receive $25.00 per Series Z Preferred Share together with all dividends accrued
  and unpaid up to but excluding the date of payment or distribution, before any
  amounts shall be paid or any assets of the Corporation distributed to the holders
  of the Common Shares of the Corporation or any other shares ranking junior to
  the Series Z Preferred Shares. Upon payment of such amounts, the holders of
  the Series Z Preferred Shares shall not be entitled to share in any further
  distribution of the property or assets of the Corporation.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.18.3</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Redemption
  at the Option of the Corporation</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The Corporation may not redeem any of the Series Z Preferred Shares prior
  to December 1, 2007. Subject to applicable law and section 3.18.5 hereof, upon
  giving notice as hereinafter provided, the Corporation may, on December 1, 2007
  or on December 1 in every fifth year thereafter, redeem at any time all, but
  not less than all, the outstanding Series Z Preferred Shares on payment of $25.00
  for each such share to be redeemed together with accrued and unpaid dividends
  up to but excluding the date fixed for redemption, the whole constituting the
  redemption price.</font> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The Corporation shall give notice in writing not less than 45 days nor
  more than 60 days prior to the date on which the redemption is to take place
  to each person who at the date of giving such notice is the holder of Series
  Z Preferred Shares to be redeemed of the intention of the Corporation to redeem
  such shares; such notice shall be given by posting the same in a postage paid
  envelope addressed to each holder of Series Z Preferred Shares to be redeemed
  at the last address of such holder as it appears on the securities register
  of the Corporation or, in the event of the address of any holder not so appearing,
  then to the address of such holder last known to the Corporation, provided that
  the accidental failure or omission to give any such notices as aforesaid to
  one or more of such holders shall not affect the validity of the redemption
  as to the other holders of the Series Z Preferred Shares to be redeemed. Such
  notice shall set out the number of such Series Z Preferred Shares held by the
  person to whom it is addressed which are to be redeemed and the redemption price
  and shall also set out the date on which the redemption is to take place, and
  on and after the date so specified for redemption the Corporation shall pay
  or cause to be paid to the holders of such Series Z Preferred Shares to be redeemed
  the redemption price on presentation and surrender at any place within Canada
  designated by such notice, of the certificate or certificates for such Series
  Z Preferred Shares so called for redemption; such payment shall be made by cheque
  payable at par at any branch in Canada of the Corporation&#146;s bankers; from
  and after the date specified in any such notice, the Series Z Preferred Shares
  called for redemption shall cease to be entitled to dividends and the holders
  thereof shall not be entitled to exercise any of the rights of shareholders
  in respect thereof unless payment of the redemption price shall not be duly
  made by the Corporation; at any time after notice of redemption is given as
  aforesaid, the Corporation shall have the right to deposit the redemption price
  of any or all Series Z Preferred Shares called for redemption with any chartered
  bank or banks or with any trust company or trust companies in Canada named in
  the notice of redemption to the credit of a special account or accounts in </font></P>
<P ALIGN="justify">&nbsp;</P>
<hr>
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<P ALIGN="justify">&nbsp;</P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">trust for
  the respective holders of such shares, to be paid to them respectively upon
  surrender to such bank or banks or trust company or trust companies of the certificate
  or certificates representing the same, and upon such deposit or deposits being
  made, such shares shall be redeemed on the redemption date specified in the
  notice of redemption; after the Corporation has made a deposit as aforesaid
  with respect to any shares, the holders thereof shall not, from and after the
  redemption date, be entitled to exercise any of the rights of shareholders in
  respect thereof and the rights of the holders thereof shall be limited to receiving
  the proportion of the amounts so deposited applicable to such shares, without
  interest; any interest allowed on such deposit shall belong to the Corporation.</font>
</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.18.4</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Conversion
  of Series Z Preferred Shares</I></B></FONT></P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.18.4.1</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Conversion
  at the Option of the Holder</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;Holders of Series Z Preferred Shares shall have the right, at their option,
  on December 1, 2007 and on December 1 in every fifth year thereafter (a &#147;Conversion
  Date&#148;), to convert, subject to the terms and provisions hereof, all or
  any Series Z Preferred Shares registered in their name into Series Y Preferred
  Shares of the Corporation on the basis of one (1) Series Y Preferred Share for
  each Series Z Preferred Share. The Corporation shall give notice in writing
  to the then holders of the Series Z Preferred Shares of the Selected Percentage
  Rate determined by the Board of Directors to be applicable for the next succeeding
  Fixed Dividend Rate Period and of the conversion right provided for herein;
  such notice shall be given by posting the same in a postage paid envelope addressed
  to each holder of the Series Z Preferred Shares at the last address of such
  holder as it appears on the securities register of the Corporation or, in the
  event of the address of any holder not so appearing, then to the address of
  such holder last known to the Corporation. Such notice shall set out the Conversion
  Date and shall be given not less than 45 days nor more than 60 days prior to
  the applicable Conversion Date.</font> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;If the Corporation gives notice as provided in section 3.18.3 to the holders
  of the Series Z Preferred Shares of the redemption of all the Series Z Preferred
  Shares, the Corporation shall not be required to give notice as provided in
  this section 3.18.4.1 to the holders of the Series Z Preferred Shares of a Selected
  Percentage Rate or of the conversion right and the right of any holder of Series
  Z Preferred Shares to convert such Series Z Preferred Shares as herein provided
  shall cease and terminate in that event.</font> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;Holders of Series Z Preferred Shares shall not be entitled to convert
  their shares into Series Y Preferred Shares if, following the close of business
  on the 14th day preceding a Conversion Date, the Corporation determines that
  there would remain outstanding on the Conversion Date less than 1,000,000 Series
  Y Preferred Shares after taking into account all Series Z Preferred Shares tendered
  for conversion into Series Y Preferred Shares and all Series Y Preferred Shares
  tendered for conversion into Series Z Preferred Shares. The Corporation shall
  give notice in writing thereof, in accordance with the provisions of the first
  paragraph of this section 3.18.4.1, to all affected holders of Series Z Preferred
  Shares at least seven (7) days prior to the applicable Conversion Date and will
  issue and deliver, or cause to be delivered, prior to such Conversion Date,
  at the expense of the Corporation, to such holders of Series Z Preferred Shares,
  who have surrendered for conversion any certificate or certificates representing
  Series Z Preferred Shares, new certificates representing the Series Z Preferred
  Shares represented by any certificate or certificates surrendered as aforesaid.</font>
</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.18.4.2</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Automatic
  Conversion</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;If following the close of business on the 14th day preceding a Conversion
  Date the Corporation determines that there would remain outstanding on the Conversion
  Date less than 1,000,000 Series Z Preferred Shares after taking into account
  all Series Z Preferred Shares tendered for conversion into Series Y Preferred
  Shares and all Series Y Preferred Shares tendered for conversion into Series
  Z Preferred Shares, then, all, but not part, of the remaining outstanding Series
  Z Preferred Shares shall automatically be converted into Series Y Preferred
  Shares on the basis of one (1) Series Y Preferred Share for each Series Z Preferred
  Share on the applicable Conversion Date and the Corporation shall give notice
  in writing thereof, in accordance with the provisions of section 3.18.4.1, to
  the holders of such remaining Series Z Preferred Shares at least seven (7) days
  prior to the Conversion Date.</font> </P>
<P ALIGN="justify">&nbsp;</P>
<hr>
<p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;116&#150;</font></p>
<P ALIGN="justify">&nbsp;</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.18.4.3</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Manner
  of Exercise of Conversion Privilege</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The conversion of Series Z Preferred Shares may be effected by surrender
  of the certificate or certificates representing the same not earlier than 45
  days prior to a Conversion Date but not later than the close of business on
  the 14th day preceding a Conversion Date during usual business hours at any
  office of any transfer agent of the Corporation at which the Series Z Preferred
  Shares are transferable accompanied by: (1) payment or evidence of payment of
  the tax (if any) payable as provided in this section 3.18.4.3; and (2) a written
  instrument of surrender in form satisfactory to the Corporation duly executed
  by the holder, or his attorney duly authorized in writing, in which instrument
  such holder may also elect to convert part only of the Series Z Preferred Shares
  represented by such certificate or certificates not theretofore called for redemption
  in which event the Corporation shall issue and deliver or cause to be delivered
  to such holder, at the expense of the Corporation, a new certificate representing
  the Series Z Preferred Shares represented by such certificate or certificates
  which have not been converted.</font> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;In the event the Corporation is required to convert all remaining outstanding
  Series Z Preferred Shares into Series Y Preferred Shares on the applicable Conversion
  Date as provided for in section 3.18.4.2, the Series Z Preferred Shares in respect
  of which the holders have not previously elected to convert, shall be converted
  on the Conversion Date into Series Y Preferred Shares and the holders thereof
  shall be deemed to be holders of Series Y Preferred Shares at the close of business
  on the Conversion Date and shall be entitled, upon surrender during usual business
  hours at any office of any transfer agent of the Corporation at which the Series
  Z Preferred Shares were transferable of the certificate or certificates representing
  Series Z Preferred Shares not previously surrendered for conversion, to receive
  a certificate or certificates representing the same number of Series Y Preferred
  Shares in the manner and subject to the terms and provisions as provided in
  this section 3.18.4.3.</font> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;As promptly as practicable after the Conversion Date, the Corporation
  shall issue and deliver, or cause to be delivered to or upon the written order
  of the holder of the Series Z Preferred Shares so surrendered, a certificate
  or certificates, issued in the name of, or in such name or names as may be directed
  by, such holder representing the number of fully-paid and non-assessable Series
  Y Preferred Shares and the number of remaining Series Z Preferred Shares, if
  any, to which such holder is entitled. Such conversion shall be deemed to have
  been made at the close of business on the Conversion Date, so that the rights
  of the holder of such Series Z Preferred Shares as the holder thereof shall
  cease at such time and the person or persons entitled to receive Series Y Preferred
  Shares upon such conversion shall be treated for all purposes as having become
  the holder or holders of record of such Series Y Preferred Shares at such time.</font>
</P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The holder of any Series Z Preferred Share on the record date for any
  dividend declared payable on such share shall be entitled to such dividend notwithstanding
  that such share is converted into a Series Y Preferred Share after such record
  date and on or before the date of the payment of such dividend.</font> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The issuance of certificates for the Series Y Preferred Shares upon the
  conversion of Series Z Preferred Shares shall be made without charge to the
  converting holders of Series Z Preferred Shares for any fee or tax in respect
  of the issuance of such certificates or the Series Y Preferred Shares represented
  thereby; provided, however, that the Corporation shall not be required to pay
  any tax which may be imposed upon the person or persons to whom such Series
  Y Preferred Shares are issued in respect of the issuance of such Series Y Preferred
  Shares or the certificate therefor or which may be payable in respect of any
  transfer involved in the issuance and delivery of any such certificate in a
  name or names other than that of the holder of the Series Z Preferred Shares
  converted, and the Corporation shall not be required to issue or deliver such
  certificate unless the person or persons requesting the issuance thereof shall
  have paid to the Corporation the amount of such tax or shall have established
  to the satisfaction of the Corporation that such tax has been paid.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.18.4.4</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Status
  of Converted Series Z Preferred Shares</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;All Series Z Preferred Shares converted into Series Y Preferred Shares
  on a Conversion Date shall not be cancelled but shall be restored to the status
  of authorized but unissued shares of the Corporation as at the close of business
  on the Conversion Date.</font> </P>
<P ALIGN="justify">&nbsp;</P>
<hr>
<p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;117&#150;</font></p>
<P ALIGN="justify">&nbsp;</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.18.5</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Restrictions
  on Dividends and Retirement of Shares</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;Without the approval of the holders of outstanding Series Z Preferred
  Shares:</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;the Corporation shall not declare, pay or set apart for payment any dividends
  (other than stock dividends payable in shares of the Corporation ranking junior
  to the Series Z Preferred Shares) on the Common Shares of the Corporation or
  any other shares of the Corporation ranking junior to the Series Z Preferred
  Shares;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  the Corporation shall not redeem, purchase or otherwise retire or make any capital
  distribution on or in respect of the Common Shares of the Corporation or any
  other shares of the Corporation ranking junior to the Series Z Preferred Shares
  (except out of the net cash proceeds of a substantially concurrent issue of
  shares of the Corporation ranking junior to the Series Z Preferred Shares);</FONT>
</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;the Corporation shall not purchase or otherwise retire less than all of
  the Series Z Preferred Shares then outstanding; or</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;the Corporation shall not redeem, purchase or otherwise retire (except
  in connection with the exercise of any retraction privilege or any mandatory
  redemption obligation attaching thereto) any shares of any class or series ranking
  on a parity with the Series Z Preferred Shares provided that, for greater certainty,
  the covenant in this clause (d) shall not limit or affect any such action in
  respect of any class of shares ranking in priority to the Series Z Preferred
  Shares;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">unless,
  in each such case, all cumulative dividends on outstanding Series Z Preferred
  Shares accrued up to and including the dividend payable for the last completed
  period for which dividends were payable shall have been declared and paid.</FONT>
</P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;Any approval of the holders of the Series Z Preferred Shares required
  to be given pursuant to this section 3.18.5 may be given in accordance with
  the second paragraph of section 3.18.7 and section 3.18.10. Notwithstanding
  the provisions of section 3.18.10 hereof, any approval required to be given
  pursuant to this section 3.18.5 shall be required to be given only by the affirmative
  vote of the holders of the majority of the Series Z Preferred Shares present
  or represented at a meeting or adjourned meeting, of the holders of Series Z
  Preferred Shares duly called for the purpose and at which a quorum is present.</font>
</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.18.6</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Purchase
  for Cancellation</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The Corporation may at any time purchase for cancellation the whole or
  any part of the Series Z Preferred Shares outstanding from time to time, in
  the open market through or from an investment dealer or any firm holding membership
  on a recognized stock exchange, or by private agreement or otherwise, at the
  lowest price or prices at which in the opinion of the Board of Directors such
  shares are obtainable.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.18.7</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Voting
  Rights</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;If the Corporation fails to pay eight (8) dividends on the Series Z Preferred
  Shares, whether or not consecutive, the holders of the Series Z Preferred Shares
  shall have the right to receive notice of, and to attend, each meeting of shareholders
  of the Corporation which takes place more than 60 days after the date on which
  the failure first occurs (other than a separate meeting of the holders of another
  series or class of shares) and such holders shall also have the right, at any
  such meeting, to one (1) vote for each Series Z Preferred Share held, until
  all such arrears of dividends on the Series Z Preferred Shares shall have been
  paid whereupon such rights shall cease unless and until the same default shall
  again arise under the provisions of this section 3.18.7.</font> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;In connection with any actions to be taken by the Corporation which require
  the approval of the holders of the Series Z Preferred Shares voting as a series
  or as part of a class, each Series Z Preferred Share shall entitle the holder
  thereof to one (1) vote for such purpose.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.18.8</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Issue
  of Additional Preferred Shares</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The Corporation may issue additional series of First Preferred Shares
  ranking on a parity with </font></P>
<P ALIGN="justify">&nbsp;</P>
<hr>
<p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;118&#150;</font></p>
<P ALIGN="justify">&nbsp;</P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">the Series
  Z Preferred Shares without the authorization of the holders of the Series Z
  Preferred Shares.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.18.9</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Modifications</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The provisions attaching to the Series Z Preferred Shares as a series
  may be repealed, altered, modified or amended from time to time with such approval
  as may then be required by the <I>Canada Business Corporations Act</I>, any
  such approval to be given in accordance with section 3.18.10.</font> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;None of the series provisions of the articles of the Corporation relating
  to the Series Z Preferred Shares shall be amended or otherwise changed unless,
  contemporaneously therewith, the series provisions, if any, relating to the
  Series Y Preferred Shares are, to the extent deemed required by the Corporation,
  amended or otherwise changed in the same proportion and in the same manner.</font>
</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.18.10</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Approval
  of Holders of Series Z Preferred Shares</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;Any approval given by the holders of the Series Z Preferred Shares shall
  be deemed to have been sufficiently given if it shall have been given by the
  holders of Series Z Preferred Shares as provided in the provisions attaching
  to the First Preferred Shares as a class, which provisions shall apply <I>mutatis
  mutandis</I>.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.18.11</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Tax
  Election</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The Corporation shall elect, in the manner and within the time provided
  under the <I>Income Tax Act </I>(Canada), under subsection 191.2(1) of the said
  Act, or any successor or replacement provision of similar effect, and take all
  other necessary action under such Act, to pay tax at a rate such that no holder
  of the Series Z Preferred Shares will be required to pay tax on dividends received
  on the Series Z Preferred Shares under section 187.2 of Part IV.I of such Act
  or any successor or replacement provision of similar effect.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.18.12</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Mail
  Service Interruption</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;If the Corporation determines that mail service is, or is threatened to
  be, interrupted at the time when the Corporation is required or elects to give
  any notice hereunder by mail, or is required to send any cheque or any share
  certificate to the holder of any Series Z Preferred Shares, whether in connection
  with the redemption or conversion of such share or otherwise, the Corporation
  may, notwithstanding the provisions hereof:</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;give such notice by telex, telecopier or telegraph communication or by
  means of publication once in each of two successive weeks in a newspaper of
  general circulation published or distributed in Montr&eacute;al and Toronto
  and such notice shall be deemed to have been given on the date on which such
  telex, telecopier or telegraph communication was given or on the date on which
  the first publication has taken place; and</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;fulfill the requirement to send such cheque or such share certificate
  by arranging for delivery thereof to the principal office of the Corporation
  in Montr&eacute;al, and such cheque and/or certificate shall be deemed to have
  been sent on the date on which notice of such arrangement shall have been given
  as provided in (a) above, provided that as soon as the Corporation determines
  that mail service is no longer interrupted or threatened to be interrupted such
  cheque or share certificate, if not theretofore delivered to such holder, shall
  be sent by ordinary unregistered first class prepaid mail to the registered
  address of each person who at the date of mailing is a registered holder and
  who is entitled to receive such cheque or share certificate, or in the event
  of the address of any such holder not appearing on the securities register of
  the Corporation, then at the last address of such holder known to the Corporation.</FONT>
</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.18.13</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Definitions</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;In the provisions herein contained attaching to the Series Z Preferred
  Shares:</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp; &#147;accrued and unpaid dividends&#148; means the aggregate of: (i)
  all unpaid dividends on the Series Z Preferred Shares for any quarterly period;
  and (ii) the amount calculated as though dividends on each Series Z Preferred
  Share had been accruing on a day-to-day basis from and including the date on
  which the last quarterly dividend was payable to but excluding the date to which
  the computation of accrued dividends is to be made; and</FONT> </P>
<P ALIGN="justify">&nbsp;</P>
<hr>
<p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;119&#150;</font></p>
<P ALIGN="justify">&nbsp;</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;in priority to&#148;, &#147;on a parity with&#148; and &#147;junior
  to&#148; have reference to the order of priority in payment of dividends and
  in the distribution of assets in the event of any liquidation, dissolution or
  winding up of the Corporation, whether voluntary or involuntary, or other distribution
  of the assets of the Corporation among its shareholders for the purpose of winding
  up its affairs.</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.18.14</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Interpretation</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;In the event that any date on which any dividend on the Series Z Preferred
  Shares is payable by the Corporation, or any date on or by which any other action
  is required to be taken by the Corporation or the holders of Series Z Preferred
  Shares hereunder, is not a business day (as hereinafter defined), then such
  dividend shall be payable, or such other action shall be required to be taken,
  on or by the next succeeding day that is a business day. A &#147;business day&#148;
  shall be a day other than a Saturday, a Sunday or any other day that is treated
  as a holiday at the Corporation&#146;s principal office in Canada.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B>3.19</B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>Series
  AA Preferred Shares</B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The Series AA Preferred Shares shall, in addition to the rights, privileges,
  restrictions and conditions attaching to the First Preferred Shares as a class,
  carry and be subject to the following rights, privileges, restrictions and conditions:</font>
</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.19.1</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Dividend</I></B></FONT></P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.19.1.1</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Definitions</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;For the purposes hereof, the following capitalized terms shall have the
  following meanings, unless the context otherwise requires:</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Annual Dividend Rate&#148; means the Subsequent Fixed Dividend Rate
  applicable at the relevant time;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Dividend Payment Date&#148; means the first day of each of March,
  June, September and December in each year and the first Dividend Payment Date
  shall be June 1, 2002;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Government of Canada Yield&#148; on any date means the average of
  the yields determined by two registered Canadian investment dealers, selected
  by the Corporation, as being the yield to maturity on such date compounded semi-annually
  and calculated in accordance with generally accepted financial practice, which
  a non-callable Government of Canada Bond would carry, if issued in Canadian
  dollars in Canada at 100% of its principal amount on such date with a term to
  maturity of five years;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Electronic Delivery&#148; means the delivery by telecopier, electronic
  mail, the Internet or other electronic means;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Initial Fixed Dividend Amount&#148; means an amount equal to $1.3625
  per share per annum;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Initial Fixed Rate Period&#148; means the period commencing with
  the date of issue of the Series AA Preferred Shares and ending on and including
  August 31, 2007;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(g)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Subsequent Fixed Dividend Rate&#148; means for any Subsequent Fixed
  Rate Period the rate of interest expressed as a percentage per annum determined
  in accordance with section 3.19.1.5 hereof;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(h)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Subsequent Fixed Rate Period&#148; means for the initial Subsequent
  Fixed Rate Period, the period commencing on September 1, 2007 and ending on
  and including August 31, 2012 and for each succeeding Subsequent Fixed Rate
  Period, the period commencing on the day immediately following the </FONT></P>
<P ALIGN="justify">&nbsp;</P>
<hr>
<p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;120&#150;</font></p>
<P ALIGN="justify">&nbsp;</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">end of the
  immediately preceding Subsequent Fixed Rate Period and ending on and including
  August 31 in the fifth year thereafter.</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.19.1.2</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>General</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The holders of the Series AA Preferred Shares shall be entitled to receive
  fixed, cumulative, preferred cash dividends, as and when declared by the Board
  of Directors, out of moneys of the Corporation properly applicable to the payment
  of dividends, at the rates herein provided. Dividends on the Series AA Preferred
  Shares shall accrue on a daily basis from and including the date of issue thereof,
  and shall be payable quarterly during the Initial Fixed Rate Period and during
  any Subsequent Fixed Rate Period. Payment of the dividend on the Series AA Preferred
  Shares payable on any Dividend Payment Date (less any tax required to be deducted)
  shall be made by cheque at par in lawful money of Canada payable at any branch
  in Canada of the Corporation&#146;s bankers.</font> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;Dividends declared on the Series AA Preferred Shares shall (except in
  case of redemption in which case payment of dividends shall be made on surrender
  of the certificate representing the Series AA Preferred Shares to be redeemed)
  be paid by posting in a postage paid envelope addressed to each holder of the
  Series AA Preferred Shares at the last address of such holder as it appears
  on the securities register of the Corporation or, in the event of the address
  of any holder not so appearing, then to the address of such holder last known
  to the Corporation, or, in the case of joint holders, to the address of that
  one whose name appears first in the securities register of the Corporation as
  one of such joint holders, a cheque for such dividends (less any tax required
  to be deducted) payable to the order of such holder or, in the case of joint
  holders, to the order of all such holders failing written instructions from
  them to the contrary. Notwithstanding the foregoing, any dividend cheque may
  be delivered by the Corporation to a holder of Series AA Preferred Shares at
  his address as aforesaid. The posting or delivery of such cheque shall be deemed
  to be payment and shall satisfy and discharge all liabilities for the payment
  of such dividends to the extent of the sum represented thereby (plus the amount
  of any tax required to be deducted as aforesaid) unless such cheque is not paid
  on due presentation.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.19.1.3</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Initial
  Fixed Rate Period</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;During the Initial Fixed Rate Period, the amount of the dividend in respect
  of the Series AA Preferred Shares payable quarterly shall be equal to $0.340625
  per share. If the original date of issue of the Series AA Preferred Shares is
  March 1, 2002, the amount of the first quarterly dividend payable on each Series
  AA Preferred Share on June 1, 2002 shall be $0.340625. Otherwise, the first
  quarterly dividend payable on each Series AA Preferred Share on June&nbsp;1,
  2002 shall be in the amount (rounded to the nearest one-thousandth (1/1000)
  of one cent) obtained by multiplying $1.3625 by a fraction of which the numerator
  is the number of days from and including the original date of issue of the Series
  AA Preferred Shares to but excluding June 1, 2002, and the denominator is 365.</font>
</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.19.1.4</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Subsequent
  Fixed Rate Period</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;During any Subsequent Fixed Rate Period, the dividends in respect of the
  Series AA Preferred Shares shall be payable quarterly at the Subsequent Fixed
  Dividend Rate. Accordingly, on each Dividend Payment Date during any Subsequent
  Fixed Rate Period, the dividend payable shall be that amount per share (rounded
  to the nearest one-thousandth (1/1000) of one cent) obtained by multiplying
  the Annual Dividend Rate by $25.00 and by dividing the product by four.</font>
</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.19.1.5</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Determination
  of Subsequent Fixed Dividend Rate</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The Corporation shall determine on the 25th day prior to the first day
  of each Subsequent Fixed Rate Period the Annual Dividend Rate for each Subsequent
  Fixed Rate Period, which Annual Dividend Rate shall not be less than 80% of
  the Government of Canada Yield in effect at 10:00 A.M. (Montr&eacute;al Time)
  on the said 25th day prior to the first day of each Subsequent Fixed Rate Period,
  and give notice thereof: (i) within one (1) business day to all stock exchanges
  in Canada on which the Series AA</font> </P>
<p>&nbsp;</p>
<hr>
<p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;121&#150;</font></p>
<P ALIGN="justify">&nbsp;</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">Preferred
  Shares are listed for trading or if the Series AA Preferred Shares are not listed
  on a stock exchange in Canada, to the Investment Dealers Association of Canada;
  and (ii) within three (3) business days to the holders of the Series AA Preferred
  Shares by publication once in the national edition of The Globe and Mail in
  the English language and once in the City of Montr&eacute;al in both the French
  and English languages in a daily newspaper of general circulation in Montr&eacute;al;
  provided that if any such newspaper is not being generally circulated at that
  time, such notice shall be published in another equivalent publication.</FONT>
</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.19.2</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Rights
  on Liquidation</I></B></FONT></P>
<div align="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;In the event of the liquidation, dissolution or winding up of the Corporation
  or any other distribution of assets of the Corporation for the purpose of winding
  up its affairs, the holders of the Series AA Preferred Shares shall be entitled
  to receive $25.00 per Series AA Preferred Share together with all dividends
  accrued and unpaid up to but excluding the date of payment or distribution,
  before any amounts shall be paid or any assets of the Corporation distributed
  to the holders of the Common Shares of the Corporation or any other shares of
  the Corporation ranking junior to the Series AA Preferred Shares. Upon payment
  of such amounts, the holders of the Series AA Preferred Shares shall not be
  entitled to share in any further distribution of the property or assets of the
  Corporation.</font> </div>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.19.3</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Redemption
  at the Option of the Corporation</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The Corporation may not redeem any of the Series AA Preferred Shares prior
  to September 1, 2007. Subject to applicable law and section 3.19.5 hereof, upon
  giving notice as hereinafter provided, the Corporation may, on September 1,
  2007, or on September 1 in every fifth year thereafter, redeem all, but not
  less than all, of the outstanding Series AA Preferred Shares, on payment of
  $25.00 for each such share to be redeemed, together with accrued and unpaid
  dividends up to but excluding the date fixed for redemption, the whole constituting
  the redemption price.</font> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The Corporation shall give notice in writing not less than 45 days nor
  more than 60 days prior to the date on which the redemption is to take place
  to each person who at the date of giving such notice is the holder of Series
  AA Preferred Shares to be redeemed of the intention of the Corporation to redeem
  such shares; such notice shall be given, at the option of the Corporation, by
  courier or by posting the same in a postage paid envelope, in either case, addressed
  to each holder of Series AA Preferred Shares to be redeemed at the last address
  of such holder as it appears on the securities register of the Corporation or,
  in the event of the address of any holder not so appearing, then to the address
  of such holder last known to the Corporation, or by Electronic Delivery addressed
  to each holder of Series AA Preferred Shares requesting Electronic Delivery
  at the last electronic address as provided by the holder to the Corporation,
  provided that the accidental failure or omission to give any such notices as
  aforesaid to one or more of such holders shall not affect the validity of the
  redemption as to the other holders of the Series AA Preferred Shares to be redeemed.
  Such notice shall set out the number of such Series AA Preferred Shares held
  by the person to whom it is addressed which are to be redeemed and the redemption
  price and shall also set out the date on which the redemption is to take place,
  and on and after the date so specified for redemption the Corporation shall
  pay or cause to be paid to the holders of such Series AA Preferred Shares to
  be redeemed the redemption price on presentation and surrender at any place
  or places within Canada designated by such notice, of the certificate or certificates
  for such Series AA Preferred Shares so called for redemption; such payment shall
  be made by cheque payable at par at any branch in Canada of the Corporation&#146;s
  bankers; from and after the date specified in any such notice, the Series AA
  Preferred Shares called for redemption shall cease to be entitled to dividends
  and the holders thereof shall not be entitled to exercise any of the rights
  of shareholders in respect thereof unless payment of the redemption price shall
  not be duly made by the Corporation; at any time after notice of redemption
  is given as aforesaid, the Corporation shall have the right to deposit the redemption
  price of any or all Series AA Preferred Shares called for redemption with any
  chartered bank or banks or with any trust company or trust companies in Canada
  named in the notice of redemption to the credit of a special account or accounts
  in trust for the respective holders of such shares, to be paid to them respectively
  upon surrender to such bank or banks or trust company or trust companies of
  the certificate or certificates representing the same, and upon such deposit
  or deposits being made, such shares shall be redeemed on the redemption date
  specified in the notice of redemption; after the Corporation has made a deposit
  as aforesaid with respect to any shares, the holders thereof shall not, from
  </font></P>
<P ALIGN="justify">&nbsp;</P>
<hr>
<p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;122&#150;</font></p>
<P ALIGN="justify">&nbsp;</P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">and after
  the redemption date, be entitled to exercise any of the rights of shareholders
  in respect thereof and the rights of the holders thereof shall be limited to
  receiving the proportion of the amounts so deposited applicable to such shares,
  without interest; any interest allowed on such deposit shall belong to the Corporation.</font>
</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.19.4</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Conversion
  of Series AA Preferred Shares</I></B></FONT></P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.19.4.1</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Conversion
  at the Option of the Holder</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;Holders of Series AA Preferred Shares shall have the right, at their option,
  on September 1, 2007 and on September 1 in every fifth year thereafter (a &#147;Conversion
  Date&#148;), to convert, subject to the terms and conditions hereof, all or
  any Series AA Preferred Shares registered in their name into Series AB Preferred
  Shares of the Corporation on the basis of one (1) Series AB Preferred Share
  for each Series AA Preferred Share. The Corporation shall give notice in writing
  to the then holders of the Series AA Preferred Shares of the conversion right
  provided for herein; such notice shall be given, at the option of the Corporation,
  by courier or by posting the same in a postage paid envelope, in either case,
  addressed to each holder of the Series AA Preferred Shares at the last address
  of such holder as it appears on the securities register of the Corporation or,
  in the event of the address of any holder not so appearing, then to the address
  of such holder last known to the Corporation or by Electronic Delivery addressed
  to each holder of Series AA Preferred Shares requesting Electronic Delivery
  at the last electronic address as provided by the holder to the Corporation.
  Such notice shall set out the Conversion Date and shall be given not less than
  45 days nor more than 60 days prior to the applicable Conversion Date.</font>
</P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;If the Corporation gives notice as provided in section 3.19.3 to the holders
  of the Series AA Preferred Shares of the redemption of all the Series AA Preferred
  Shares, the Corporation shall not be required to give notice as provided in
  this section 3.19.4.1 to the holders of the Series AA Preferred Shares of the
  conversion right and the right of any holder of Series AA Preferred Shares to
  convert such Series AA Preferred Shares as herein provided shall cease and terminate
  in that event.</font> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;Holders of Series AA Preferred Shares shall not be entitled to convert
  their shares into Series AB Preferred Shares if, following the close of business
  on the 10th day preceding a Conversion Date, the Corporation determines that
  there would remain outstanding on the Conversion Date less than 2,500,000 Series
  AB Preferred Shares, after taking into account all Series AA Preferred Shares
  tendered for conversion into Series AB Preferred Shares and all Series AB Preferred
  Shares tendered for conversion into Series AA Preferred Shares. The Corporation
  shall give notice in writing thereof, in accordance with the provisions of the
  first paragraph of this section 3.19.4.1, to all affected holders of Series
  AA Preferred Shares prior to the applicable Conversion Date and will issue and
  deliver, or cause to be delivered, prior to such Conversion Date, at the expense
  of the Corporation, to such holders of Series AA Preferred Shares, who have
  surrendered for conversion any certificate or certificates representing Series
  AA Preferred Shares, new certificates representing the Series AA Preferred Shares
  represented by any certificate or certificates surrendered as aforesaid.</font>
</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.19.4.2</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Automatic
  Conversion</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;If following the close of business on the 10th day preceding a Conversion
  Date the Corporation determines that there would remain outstanding on the Conversion
  Date less than 2,500,000 Series AA Preferred Shares after taking into account
  all Series AA Preferred Shares tendered for conversion into Series AB Preferred
  Shares and all Series AB Preferred Shares tendered for conversion into Series
  AA Preferred Shares, then, all, but not part, of the remaining outstanding Series
  AA Preferred Shares shall automatically be converted into Series AB Preferred
  Shares on the basis of one (1) Series AB Preferred Share for each Series AA
  Preferred Share on the applicable Conversion Date and the Corporation shall
  give notice in writing thereof, in accordance with the provisions of section
  3.19.4.1, to the holders of such remaining Series AA Preferred Shares prior
  to the Conversion Date.</font> </P>
<P ALIGN="justify">&nbsp;</P>
<hr>
<p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;123&#150;</font></p>
<P ALIGN="justify">&nbsp;</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.19.4.3</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Manner
  of Exercise of Conversion Privilege</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The conversion of Series AA Preferred Shares may be effected by surrender
  of the certificate or certificates representing the same not earlier than 45
  days prior to a Conversion Date but not later than the close of business on
  the 10th day preceding a Conversion Date during usual business hours at any
  office of any transfer agent of the Corporation at which the Series AA Preferred
  Shares are transferable accompanied by: i) payment or evidence of payment of
  the tax (if any) payable, as provided in this section 3.19.4.3; and ii) a written
  instrument of surrender in form satisfactory to the Corporation duly executed
  by the holder, or his attorney duly authorized in writing, in which instrument
  such holder may also elect to convert part only of the Series AA Preferred Shares
  represented by such certificate or certificates not theretofore called for redemption
  in which event the Corporation shall issue and deliver or cause to be delivered
  to such holder, at the expense of the Corporation, a new certificate representing
  the Series AA Preferred Shares represented by such certificate or certificates
  which have not been converted.</font> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;In the event the Corporation is required to convert all remaining outstanding
  Series AA Preferred Shares into Series AB Preferred Shares on the applicable
  Conversion Date as provided for in section 3.19.4.2, the Series AA Preferred
  Shares, in respect of which the holders have not previously elected to convert,
  shall be converted on the Conversion Date into Series AB Preferred Shares and
  the holders thereof shall be deemed to be holders of Series AB Preferred Shares
  at the close of business on the Conversion Date and shall be entitled, upon
  surrender during usual business hours at any office of any transfer agent of
  the Corporation at which the Series AA Preferred Shares were transferable of
  the certificate or certificates representing Series AA Preferred Shares not
  previously surrendered for conversion, to receive a certificate or certificates
  representing the same number of Series AB Preferred Shares in the manner and
  subject to the terms and provisions as provided in this section 3.19.4.3.</font>
</P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;As promptly as practicable after the Conversion Date, the Corporation
  shall issue and deliver, or cause to be delivered to or upon the written order
  of the holder of the Series AA Preferred Shares so surrendered, a certificate
  or certificates, issued in the name of, or in such name or names as may be directed
  by, such holder representing the number of fully-paid and non-assessable Series
  AB Preferred Shares and the number of remaining Series AA Preferred Shares,
  if any, to which such holder is entitled. Such conversion shall be deemed to
  have been made at the close of business on the Conversion Date, so that the
  rights of the holder of such Series AA Preferred Shares as the holder thereof
  shall cease at such time and the person or persons entitled to receive Series
  AB Preferred Shares upon such conversion shall be treated for all purposes as
  having become the holder or holders of record of such Series AB Preferred Shares
  at such time.</font> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The holder of any Series AA Preferred Share on the record date for any
  dividend declared payable on such share shall be entitled to such dividend notwithstanding
  that such share is converted into a Series AB Preferred Share after such record
  date and on or before the date of the payment of such dividend.</font> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The issuance of certificates for the Series AB Preferred Shares upon the
  conversion of Series AA Preferred Shares shall be made without charge to the
  converting holders of Series AA Preferred Shares for any fee or tax in respect
  of the issuance of such certificates or the Series AB Preferred Shares represented
  thereby; provided, however, that the Corporation shall not be required to pay
  any tax which may be imposed upon the person or persons to whom such Series
  AB Preferred Shares are issued in respect of the issuance of such Series AB
  Preferred Shares or the certificate therefor or which may be payable in respect
  of any transfer involved in the issuance and delivery of any such certificate
  in a name or names other than that of the holder of the Series AA Preferred
  Shares converted, and the Corporation shall not be required to issue or deliver
  such certificate unless the person or persons requesting the issuance thereof
  shall have paid to the Corporation the amount of such tax or shall have established
  to the satisfaction of the Corporation that such tax has been paid.</font> </P>
<P ALIGN="justify">&nbsp;</P>
<hr>
<p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;124&#150;</font></p>
<P ALIGN="justify">&nbsp;</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.19.4.4</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Status
  of Converted Series AA Preferred Shares</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;All Series AA Preferred Shares converted into Series AB Preferred Shares
  on a Conversion Date shall not be cancelled but shall be restored to the status
  of authorized but unissued shares of the Corporation as at the close of business
  on the Conversion Date.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.19.5</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Restrictions
  on Dividends and Retirement of Shares</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;Without the approval of the holders of outstanding Series AA Preferred
  Shares:</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;the Corporation shall not declare, pay or set apart for payment any dividends
  (other than stock dividends payable in shares of the Corporation ranking junior
  to the Series AA Preferred Shares) on the Common Shares of the Corporation or
  any other shares of the Corporation ranking junior to the Series AA Preferred
  Shares;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;the Corporation shall not redeem, purchase or otherwise retire or make
  any capital distribution on or in respect of the Common Shares of the Corporation
  or any other shares of the Corporation ranking junior to the Series AA Preferred
  Shares (except out of the net cash proceeds of a substantially concurrent issue
  of shares of the Corporation ranking junior to the Series AA Preferred Shares);</FONT>
</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;the Corporation shall not purchase or otherwise retire less than all of
  the Series AA Preferred Shares then outstanding; or</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;the Corporation shall not redeem, purchase or otherwise retire (except
  in connection with the exercise of any retraction privilege or any mandatory
  redemption obligation attaching thereto) any shares of any class or series ranking
  on a parity with the Series AA Preferred Shares provided that, for greater certainty,
  the covenant in this clause (d) shall not limit or affect any such action in
  respect of any class of shares ranking in priority to the Series AA Preferred
  Shares;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">unless,
  in each such case, all cumulative dividends on outstanding Series AA Preferred
  Shares accrued up to and including the dividend payable for the last completed
  period for which dividends were payable shall have been declared and paid.</FONT>
</P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;Any approval of the holders of Series AA Preferred Shares required to
  be given pursuant to this section 3.19.5 may be given in accordance with the
  second paragraph of section 3.19.7 and section 3.19.10. Notwithstanding the
  provisions of section 3.19.10 hereof, any approval required to be given pursuant
  to this section 3.19.5 shall be required to be given only by the affirmative
  vote of the holders of the majority of the Series AA Preferred Shares present
  or represented at a meeting, or adjourned meeting, of the holders of Series
  AA Preferred Shares duly called for the purpose and at which a quorum is present.</font>
</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.19.6</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Purchase
  for Cancellation</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The Corporation may at any time purchase for cancellation the whole or
  any part of the Series AA Preferred Shares outstanding from time to time, in
  the open market through or from an investment dealer or any firm holding membership
  on a recognized stock exchange, or by private agreement or otherwise, at the
  lowest price or prices at which in the opinion of the Board of Directors such
  shares are obtainable.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.19.7</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Voting
  Rights</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The holders of Series AA Preferred Shares will not be entitled (except
  as otherwise </font></P>
<P ALIGN="justify">&nbsp;</P>
<hr>
<p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;125&#150;</font></p>
<P ALIGN="justify">&nbsp;</P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">provided
  by law) to receive notice of, attend, or vote at, any meeting of the shareholders
  of the Corporation unless the Corporation shall have failed to pay eight (8)
  dividends on the Series AA Preferred Shares, whether or not consecutive. In
  that event, and for only so long as any such dividends remain in arrears, the
  holders of Series AA Preferred Shares will be entitled to receive notice of
  and to attend all shareholders&#146; meetings which take place more than sixty
  (60) days after the date on which the failure first occurred, and to one (1)
  vote for each Series AA Preferred Share held, except meetings at which only
  holders of another specified class or series of shares are entitled to vote.</font>
</P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;In connection with any actions to be taken by the Corporation which require
  the approval of the holders of the Series AA Preferred Shares voting as a series
  or as part of a class, each Series AA Preferred Share shall entitle the holder
  thereof to one (1) vote for such purpose.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.19.8</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Issue
  of Additional Preferred Shares</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The Corporation may issue additional series of First Preferred Shares
  ranking on a parity with the Series AA Preferred Shares without the authorization
  of the holders of the Series AA Preferred Shares.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.19.9</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Modifications</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The provisions attaching to the Series AA Preferred Shares as a series
  may be repealed, altered, modified or amended from time to time with such approval
  as may then be required by the <I>Canada Business Corporations Act</I>, any
  such approval to be given in accordance with section 3.19.10.</font> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;None of the series provisions of the articles of the Corporation relating
  to the Series AA Preferred Shares shall be amended or otherwise changed unless,
  contemporaneously therewith, the series provisions, if any, relating to the
  Series AB Preferred Shares are, to the extent deemed required by the Corporation,
  amended or otherwise changed in the same proportion and in the same manner.</font>
</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.19.10</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Approval
  of Holders of Series AA Preferred Shares</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;Any approval given by the holders of the Series AA Preferred Shares shall
  be deemed to have been sufficiently given if it shall have been given by the
  holders of Series AA Preferred Shares as provided in the provisions attaching
  to the First Preferred Shares as a class, which provisions shall apply <I>mutatis
  mutandis</I>.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.19.11</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Tax
  Election</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The Corporation shall elect, in the manner and within the time provided
  under the <I>Income Tax Act </I>(Canada), under subsection 191.2(1)<B> </B>of
  the said Act, or any successor or replacement provision of similar effect, and
  take all other necessary action under such Act, to pay tax at a rate such that
  no holder of the Series AA Preferred Shares will be required to pay tax on dividends
  received on the Series AA Preferred Shares under section 187.2 of<B> </B>Part
  IV.1 of such Act or any successor or replacement provision of similar effect.</font>
</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.19.12</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Mail
  Service Interruption</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;If the Corporation determines that mail service is, or is threatened to
  be, interrupted at the time when the Corporation is required or elects to give
  any notice hereunder by mail, or is required to send any cheque or any share
  certificate to the holder of any Series AA Preferred Shares, whether in connection
  with the redemption or conversion of such share or otherwise, the Corporation
  may, notwithstanding the </font></P>
<P ALIGN="justify">&nbsp;</P>
<hr>
<p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;126&#150;</font></p>
<P ALIGN="justify">&nbsp;</P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">provisions
  hereof:</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;give such notice by Electronic Delivery, telex or telegraph communication
  or by means of publication once in each of two successive weeks in a newspaper
  of general circulation published or distributed in Montr&eacute;al and Toronto
  and such notice shall be deemed to have been given on the date on which such
  Electronic Delivery, telex or telegraph communication was given or on the date
  on which the first publication has taken place; and</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;fulfill the requirement to send such cheque or such share certificate
  by arranging for delivery thereof to the principal office of the Corporation
  in Montr&eacute;al, and such cheque and/or certificate shall be deemed to have
  been sent on the date on which notice of such arrangement shall have been given
  as provided in (a) above, provided that as soon as the Corporation determines
  that mail service is no longer interrupted or threatened to be interrupted such
  cheque or share certificate, if not theretofore delivered to such holder, shall
  be sent by ordinary unregistered first class prepaid mail to the registered
  address of each person who at the date of mailing is a registered holder and
  who is entitled to receive such cheque or share certificate, or in the event
  of the address of any such holder not appearing on the securities register of
  the Corporation, then at the last address of such holder known to the Corporation.</FONT>
</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.19.13</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Definitions</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;In the provisions herein contained attaching to the Series AA Preferred
  Shares:</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;accrued and unpaid dividend&#148; means the aggregate of (A) all
  unpaid dividends on the Series AA Preferred Shares for any quarterly period
  and (B) the amount calculated as though dividends on each Series AA Preferred
  Share had been accruing on a day-to-day basis from and including the date on
  which the last quarterly dividend was payable to but excluding the date to which
  the computation of accrued dividends is to be made; and</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;in priority to&#148;, &#147;on a parity with&#148; and &#147;junior
  to&#148; have reference to the order of priority in payment of dividends and
  in the distribution of assets in the event of any liquidation, dissolution or
  winding up of the Corporation, whether voluntary or involuntary, or other distribution
  of the assets of the Corporation among its shareholders for the purpose of winding
  up its affairs.</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.19.14</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Interpretation</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;In the event that any date on which any dividend on the Series AA Preferred
  Shares is payable by the Corporation, or any date on or by which any other action
  is required to be taken by the Corporation or the holders of Series AA Preferred
  Shares hereunder, is not a business day (as hereinafter defined), then such
  dividend shall be payable, or such other action shall be required to be taken,
  on or by the next succeeding day that is a business day. A &#147;business day&#148;
  shall be a day other than a Saturday, a Sunday or any other day that is treated
  as a holiday at the Corporation&#146;s principal office in Canada.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B>3.20</B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>Series
  AB Preferred Shares</B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The Series AB Preferred Shares shall, in addition to the rights, privileges,
  restrictions and conditions attaching to the First Preferred Shares as a class,<B>
  </B>carry and be subject to the following rights, privileges, restrictions and
  conditions:</font> </P>
<P ALIGN="justify">&nbsp;</P>
<hr>
<p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;127&#150;</font></p>
<P ALIGN="justify">&nbsp;</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.20.1</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Dividend</I></B></FONT></P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.20.1.1</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Definitions</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;For the purposes hereof, the following capitalized terms shall have the
  following meanings, unless the context otherwise requires:</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Adjustment Factor&#148; for any Month means the percentage per annum,
  positive or negative, based on the Calculated Trading Price of the Series AB
  Preferred Shares for the preceding Month, determined in accordance with the
  following table:</FONT></P>
<table width="75%" border="0" align="center">
  <tr>
    <td width="60%"><div align="center"><font size="2" face="Arial, Helvetica, sans-serif"><u>If
        Calculated</u></font></div></td>
    <td width="40%"><div align="center"><font size="2" face="Arial, Helvetica, sans-serif"><u>The
        Adjustment Factor as a</u></font></div></td>
  </tr>
  <tr>
    <td width="60%"><div align="center"><font size="2" face="Arial, Helvetica, sans-serif"><u>Trading
        Price Is</u></font></div></td>
    <td width="40%"><div align="center"><font size="2" face="Arial, Helvetica, sans-serif"><u>Percentage
        of Prime Shall Be</u></font></div></td>
  </tr>
  <tr>
    <td width="60%">&nbsp;</td>
    <td width="40%"><div align="center"></div></td>
  </tr>
  <tr>
    <td width="60%"><font size="2" face="Arial, Helvetica, sans-serif">$25.50
      or more</font></td>
    <td width="40%"><div align="center"><font size="2" face="Arial, Helvetica, sans-serif">-4.00%</font></div></td>
  </tr>
  <tr>
    <td width="60%"><font size="2" face="Arial, Helvetica, sans-serif">$25.375
      and less than $25.50</font></td>
    <td width="40%"><div align="center"><font size="2" face="Arial, Helvetica, sans-serif">-3.00%</font></div></td>
  </tr>
  <tr>
    <td width="60%"><font size="2" face="Arial, Helvetica, sans-serif">$25.25
      and less than $25.375</font></td>
    <td width="40%"><div align="center"><font size="2" face="Arial, Helvetica, sans-serif">
        -2.00%</font></div></td>
  </tr>
  <tr>
    <td width="60%"><font size="2" face="Arial, Helvetica, sans-serif">$25.125
      and less than $25.25</font></td>
    <td width="40%"><div align="center"><font size="2" face="Arial, Helvetica, sans-serif">-1.00%</font></div></td>
  </tr>
  <tr>
    <td width="60%"><font size="2" face="Arial, Helvetica, sans-serif">Greater
      than $24.875 and less than $25.125</font></td>
    <td width="40%"><div align="center"><font size="2" face="Arial, Helvetica, sans-serif">Nil</font></div></td>
  </tr>
  <tr>
    <td width="60%"><font size="2" face="Arial, Helvetica, sans-serif">Greater
      than $24.75 to $24.875</font></td>
    <td width="40%"><div align="center"><font size="2" face="Arial, Helvetica, sans-serif">
        1.00%</font></div></td>
  </tr>
  <tr>
    <td width="60%"><font size="2" face="Arial, Helvetica, sans-serif">Greater
      than $24.625 to $24.75</font></td>
    <td width="40%"><div align="center"><font size="2" face="Arial, Helvetica, sans-serif">2.00%</font></div></td>
  </tr>
  <tr>
    <td width="60%"><font size="2" face="Arial, Helvetica, sans-serif">Greater
      than $24.50 to $24.625</font></td>
    <td width="40%"><div align="center"><font size="2" face="Arial, Helvetica, sans-serif">3.00%</font></div></td>
  </tr>
  <tr>
    <td><font size="2" face="Arial, Helvetica, sans-serif">$24.50 or less </font></td>
    <td><div align="center"><font size="2" face="Arial, Helvetica, sans-serif">4.00%
        </font></div></td>
  </tr>
</table>
<P ALIGN="center"><font size="2" face="Arial, Helvetica, sans-serif">The maximum
  Adjustment Factor for any Month will be &plusmn;4.00%.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">If in any
  Month there is no trade on the Exchange of Series AB Preferred Shares of a board
  lot or more, the Adjustment Factor for the following Month shall be nil;</FONT>
</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Annual Floating Dividend Rate&#148; means for any Month the rate
  of interest expressed as a percentage per annum (rounded to the nearest one-thousandth
  (1/1000) of one percent (0.001%)) which is equal to Prime multiplied by the
  Designated Percentage for such Month;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Banks&#148; means any two of Royal Bank of Canada, Bank of Montreal,
  The Bank of Nova Scotia, The Toronto-Dominion Bank and Canadian Imperial Bank
  of Commerce and any successor of any of them as may be designated from time
  to time by the Corporation by notice given to the transfer agent for the Series
  AB Preferred Shares, such notice to take effect on, and to be given at least
  two (2) business days prior to, the commencement of a particular Dividend Period
  and, until such notice is first given, means Royal Bank of Canada and The Toronto-Dominion
  Bank;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Calculated Trading Price&#148; for any Month means:</FONT> </P>
<div align="justify">
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(i)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="LEFT"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          the aggregate of the Daily Adjusted Trading Value for all Trading Days
          in such Month; </FONT></P></TD>
    </TR>
  </TABLE>
  <p><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;divided
    by</font> <font size="2" face="Arial, Helvetica, sans-serif"> </font> </p>
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(ii)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="LEFT"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          the aggregate of the Daily Trading Volume for all Trading Days in such
          Month;</FONT> </P></TD>
    </TR>
  </TABLE>
</div>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Daily Accrued Dividend Deduction&#148; for any Trading Day means:</FONT>
</P>
<div align="justify">
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(i)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="LEFT"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          the product obtained by multiplying the dividend on a Series AB Preferred
          Share </FONT></P></TD>
    </TR>
  </TABLE>
  <p><font size="2" face="Arial, Helvetica, sans-serif"><BR>
    </font></p>
  <hr>
  <p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;128&#150;</font></p>
  <P ALIGN="justify">&nbsp;</P>
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%">&nbsp;</TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          applicable in respect of the Month in which the Trading Day falls by
          the number of days elapsed from but excluding the day prior to the Ex-Dividend
          Date immediately preceding such Trading Day to and including such Trading
          Day (or if such Trading Day is an Ex-Dividend Date, by one (1) day);</FONT>
        </P></TD>
    </TR>
  </TABLE>
  <p><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;divided
    by</font></p>
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><font size="2" face="Arial, Helvetica, sans-serif">
        (ii) </font></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="LEFT"><font size="2" face="Arial, Helvetica, sans-serif">the
          number of days from and including such Ex-Dividend Date to but excluding
          the following Ex-Dividend Date; </font><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          </FONT></P></TD>
    </TR>
  </TABLE>
</div>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;Daily Adjusted Trading Value&#148; for any Trading Day means:</FONT></P>
<div align="justify">
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(i)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="LEFT"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          the aggregate dollar value of all transactions of Series AB Preferred
          Shares on the Exchange (made on the basis of the normal settlement period
          in effect on the Exchange) occurring during such Trading Day;</FONT>
        </P></TD>
    </TR>
  </TABLE>
</div>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;less</FONT></P>
<div align="justify">
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(ii)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="LEFT"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          the Daily Trading Volume for such Trading Day multiplied by the Daily
          Accrued Dividend Deduction for such Trading Day;</FONT> </P></TD>
    </TR>
  </TABLE>
</div>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(g)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Daily Trading Volume&#148; for any Trading Day means the aggregate
  number of Series AB Preferred Shares traded in all transactions (made on the
  basis of the normal settlement period in effect on the Exchange) occurring during
  such Trading Day on the Exchange;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(h)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Deemed Record Date&#148; means the last Trading Day of a Month with
  respect to which no dividend is declared by the Board of Directors;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Designated Percentage&#148; for the Month of September 2007 means
  80 percent (80%) and for each Month thereafter means the Adjustment Factor for
  such Month plus the Designated Percentage for the preceding Month, provided
  that the Annual Floating Dividend Rate for any Month shall in no event be less
  than 50% of Prime for such Month or be more than 100% of Prime for such Month;</FONT>
</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(j)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Dividend Payment Date&#148; means the twelfth day of each month
  commencing with the Month immediately following the date of issue of the Series
  AB Preferred Shares;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(k)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Dividend Period&#148; means a Month;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(l)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Electronic Delivery&#148; means the delivery by telecopier, electronic
  mail, the Internet or other electronic means;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(m)&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Exchange&#148; means The Toronto Stock Exchange or such other exchange
  or trading market in Canada as may be determined from time to time by the Corporation
  as being the principal trading market for the Series AB Preferred Shares;</FONT>
</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(n)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Ex-Dividend Date&#148; means:</FONT> </P>
<div align="justify">
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(i)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          the Trading Day which, under the rules or normal practices of the Exchange,
          is designated or recognized as the Ex-Dividend Date relative to any
          dividend record date for the Series AB Preferred Shares; or</FONT> </P></TD>
    </TR>
  </TABLE>
  <font size="2" face="Arial, Helvetica, sans-serif"><BR>
  </font>
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(ii)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          if the Board of Directors fails to declare a dividend in respect of
          a Month, the Trading Day which, under the rules or normal practices
          of the Exchange, would be recognized as the Ex-Dividend Date relative
          to any Deemed Record Date for </FONT> </P></TD>
    </TR>
  </TABLE>
  <p><font size="2" face="Arial, Helvetica, sans-serif"><BR>
    </font></p>
  <hr>
  <p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;129&#150;</font></p>
  <P ALIGN="justify">&nbsp;</P>
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%">&nbsp;</TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          the Series AB Preferred Shares;</FONT> </P></TD>
    </TR>
  </TABLE>
  <P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(o)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    &nbsp;&#147;Month&#148; means a calendar month;</FONT> </P>
</div>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(p)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Prime&#148; for a Month means the average (rounded to the nearest
  one-thousandth (1/1000) of one percent (0.001%)) of the Prime Rate in effect
  on each day of such Month;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(q)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Prime Rate&#148; for any day means the average (rounded to the nearest
  one-thousandth (1/1000) of one percent (0.001%)) of the annual rates of interest
  announced from time to time by the Banks as the reference rates then in effect
  for such day for determining interest rates on Canadian dollar commercial loans
  made to prime commercial borrowers in Canada. If one of the Banks does not have
  such an interest rate in effect on a day, the Prime Rate for such day shall
  be such interest rate in effect for that day of the other Bank; if both Banks
  do not have such an interest rate in effect on a day, the Prime Rate for that
  day shall be equal to one and a half percent (1.5%) per annum plus the average
  yield expressed as a percentage per annum on 91-day Government of Canada Treasury
  Bills, as reported by the Bank of Canada, for the weekly tender for the week
  immediately preceding that day; and if both of such Banks do not have such an
  interest rate in effect on a day and the Bank of Canada does not report such
  average yield per annum, the Prime Rate for that day shall be equal to the Prime
  Rate for the next preceding day. The Prime Rate and Prime shall be determined
  from time to time by an officer of the Corporation from quotations supplied
  by the Banks or otherwise publicly available. Such determination shall, in the
  absence of manifest error, be final and binding upon the Corporation and upon
  all holders of Series AB Preferred Shares;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(r)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Trading Day&#148; means a day on which the Exchange is open for
  trading or, in any other case, a business day.</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.20.1.2</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>General</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The holders of the Series AB Preferred Shares shall be entitled to receive
  cumulative, preferred cash dividends, as and when declared by the Board of Directors,
  out of moneys of the Corporation properly applicable to the payment of dividends
  at the rates and times herein provided. Dividends on the Series AB Preferred
  Shares shall accrue on a daily basis from and including the date of issue thereof
  and shall be payable monthly. Payment of the dividend on the Series AB Preferred
  Shares payable on any Dividend Payment Date (less any tax required to be deducted)
  shall be made by cheque at par in lawful money of Canada at any branch in Canada
  of the Corporation&#146;s bankers.</font> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The dividends in respect of the Series AB Preferred Shares shall be payable
  monthly at the Annual Floating Dividend Rate as calculated from time to time.
  Accordingly, on each Dividend Payment Date, the dividend payable on the Series
  AB Preferred Shares shall be that amount (rounded to the nearest one-thousandth
  (1/1000) of one cent) obtained by multiplying $25.00 by the Annual Floating
  Dividend Rate applicable to the Month preceding such Dividend Payment Date and
  by dividing the product by twelve. The record date for the purpose of determining
  holders of Series AB Preferred Shares entitled to receive dividends on each
  Dividend Payment Date shall be the last Trading Day of the next preceding Month.
  In the event of the redemption or purchase of the Series AB Preferred Shares
  or the distribution of the assets of the Corporation as contemplated by section
  3.20.2 hereof, the amount of the dividend which has accrued during the Month
  in which such redemption, purchase or distribution occurs shall be the amount
  (rounded to the nearest one-thousandth (1/1000) of one cent) calculated by multiplying:</font>
</P>
<div align="justify">
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(i)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          the amount obtained by multiplying $25.00 by one-twelfth (1/12) of the
          Annual Floating Dividend Rate applicable to the preceding Month; by</FONT>
        </P></TD>
    </TR>
  </TABLE>
  <font size="2" face="Arial, Helvetica, sans-serif"><BR>
  </font>
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(ii)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          a fraction of which the numerator is the number of days elapsed in the
          Month in which such redemption, purchase or distribution occurs up to
          but not including the date of such event and the denominator of which
          is the number of days in that Month.</FONT> </P></TD>
    </TR>
  </TABLE>
  <p><font size="2" face="Arial, Helvetica, sans-serif"><BR>
    </font></p>
  <hr>
  <p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;130&#150;</font></p>
  <P ALIGN="justify">&nbsp;</P>
  <p><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    &nbsp;Dividends declared on the Series AB Preferred Shares shall (except in
    case of redemption in which case payment of dividends shall be made on surrender
    of the certificate representing the Series AB Preferred Shares to be redeemed)
    be paid by posting in a postage paid envelope addressed to each holder of
    the Series AB Preferred Shares at the last address of such holder as it appears
    on the securities register of the Corporation or, in the event of the address
    of any holder not so appearing, then to the address of such holder last known
    to the Corporation, or, in the case of joint holders, to the address of that
    one whose name appears first in the securities register of the Corporation
    as one of such joint holders, a cheque for such dividends (less any tax required
    to be deducted) payable to the order of such holder or, in the case of joint
    holders, to the order of all such holders failing written instructions from
    them to the contrary. Notwithstanding the foregoing, any dividend cheque may
    be delivered by the Corporation to a holder of Series AB Preferred Shares
    at his address as aforesaid. The posting or delivery of such cheque shall
    be deemed to be payment and shall satisfy and discharge all liabilities for
    the payment of such dividends to the extent of the sum represented thereby
    (plus the amount of any tax required to be deducted as aforesaid) unless such
    cheque is not paid on due presentation.</font> </p>
</div>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.20.1.3</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Calculation
  of Designated Percentage</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The Corporation shall as promptly as practicable calculate the Designated
  Percentage for each Month and give notice thereof to all stock exchanges in
  Canada on which the Series AB Preferred Shares are listed for trading or if
  the Series AB Preferred Shares are not listed on a stock exchange in Canada
  to the Investment Dealers Association of Canada.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.20.2</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Rights
  on Liquidation</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;In the event of the liquidation, dissolution or winding up of the Corporation
  or any other distribution of assets of the Corporation for the purpose of winding
  up its affairs, the holders of the Series AB Preferred Shares shall be entitled
  to receive $25.00 per Series AB Preferred Share together with all dividends
  accrued and unpaid up to but excluding the date of payment or distribution,
  before any amounts shall be paid or any assets of the Corporation distributed
  to the holders of the Common Shares of the Corporation or any other shares ranking
  junior to the Series AB Preferred Shares. Upon payment of such amounts, the
  holders of the Series AB Preferred Shares shall not be entitled to share in
  any further distribution of the property or assets of the Corporation.</font>
</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.20.3</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Redemption
  at the Option of the Corporation</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;Subject to applicable law and section 3.20.5 hereof, upon giving notice
  as hereinafter provided, the Corporation may redeem at any time all, but not
  less than all, the outstanding Series AB Preferred Shares on payment of $25.50
  for each such share to be redeemed together with accrued and unpaid dividends
  up to but excluding the date fixed for redemption, the whole constituting the
  redemption price.</font> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The Corporation shall give notice in writing not less than 45 days nor
  more than 60 days prior to the date on which the redemption is to take place
  to each person who at the date of giving such notice is the holder of Series
  AB Preferred Shares to be redeemed of the intention of the Corporation to redeem
  such shares; such notice shall be given, at the option of the Corporation, by
  courier or by posting the same in a postage paid envelope, in either case, addressed
  to each holder of Series AB Preferred Shares to be redeemed at the last address
  of such holder as it appears on the securities register of the Corporation or,
  in the event of the address of any holder not so appearing, then to the address
  of such holder last known to the Corporation, or by Electronic Delivery addressed
  to each holder of Series AB Preferred Shares requesting Electronic Delivery
  at the last electronic address as provided by the holder to the Corporation,
  provided that the accidental failure or omission to give any such notices as
  aforesaid to one or more of such holders shall not affect the validity of the
  redemption as to the other holders of the Series AB Preferred</font> </P>
<p>&nbsp;</p>
<hr>
<p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;131&#150;</font></p>
<p>&nbsp;</p>
<P ALIGN="justify"><FONT color="#000000" size="2" FACE="Arial, Helvetica, sans-serif">Shares
  to be redeemed. Such notice shall set out the number of such Series AB Preferred
  Shares held by the person to whom it is addressed which are to be redeemed and
  the redemption price and shall also set out the date on which the redemption
  is to take place, and on and after the date so specified for redemption the
  Corporation shall pay or cause to be paid to the holders of such Series AB Preferred
  Shares to be redeemed the redemption price on presentation and surrender at
  any place within Canada designated by such notice, of the certificate or certificates
  for such Series AB Preferred Shares so called for redemption; such payment shall
  be made by cheque payable at par at any branch in Canada of the Corporation&#146;s
  bankers; from and after the date specified in any such notice, the Series AB
  Preferred Shares called for redemption shall cease to be entitled to dividends
  and the holders thereof shall not be entitled to exercise any of the rights
  of shareholders in respect thereof unless payment of the redemption price shall
  not be duly made by the Corporation; at any time after notice of redemption
  is given as aforesaid, the Corporation shall have the right to deposit the redemption
  price of any or all Series AB Preferred Shares called for redemption with any
  chartered bank or banks or with any trust company or trust companies in Canada
  named in the notice of redemption to the credit of a special account or accounts
  in trust for the respective holders of such shares, to be paid to them respectively
  upon surrender to such bank or banks or trust company or trust companies of
  the certificate or certificates representing the same, and upon such deposit
  or deposits being made, such shares shall be redeemed on the redemption date
  specified in the notice of redemption; after the Corporation has made a deposit
  as aforesaid with respect to any shares, the holders thereof shall not, from
  and after the redemption date, be entitled to exercise any of the rights of
  shareholders in respect thereof and the rights of the holders thereof shall
  be limited to receiving the proportion of the amounts so deposited applicable
  to such shares, without interest; any interest allowed on such deposit shall
  belong to the Corporation.</FONT> </P>
<P ALIGN="justify"><FONT color="#000000" size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.20.4</I></B></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT color="#000000" size="2" FACE="Arial, Helvetica, sans-serif"><B><I>Conversion
  of Series AB Preferred Shares</I></B></FONT></P>
<P ALIGN="justify"><FONT color="#000000" size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.20.4.1</I></B></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT color="#000000" size="2" FACE="Arial, Helvetica, sans-serif"><B><I>Conversion
  at the Option of the Holder</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</font><font color="#000000" size="2" face="Arial, Helvetica, sans-serif">Holders
  of Series AB Preferred Shares shall have the right, at their option, on September
  1, 2012 and on September 1 in every fifth year thereafter (a &#147;Conversion
  Date&#148;), to convert, subject to the terms and provisions hereof, all or
  any Series AB Preferred Shares registered in their name into Series AA Preferred
  Shares of the Corporation on the basis of one (1) Series AA Preferred Share
  for each Series AB Preferred Share. The Corporation shall give notice in writing
  to the then holders of the Series AB Preferred Shares of the conversion right
  provided for herein; such notice shall be given, at the option of the Corporation,
  by courier or by posting the same in a postage paid envelope, in either case,
  addressed to each holder of the Series AB Preferred Shares at the last address
  of such holder as it appears on the securities register of the Corporation or,
  in the event of the address of any holder not so appearing, then to the address
  of such holder last known to the Corporation, or by Electronic Delivery addressed
  to each holder of Series AB Preferred Shares requesting Electronic Delivery
  at the last electronic address as provided by the holder to the Corporation.
  Such notice shall set out the Conversion Date and shall be given not less than
  45 days nor more than 60 days prior to the applicable Conversion Date.</font>
</P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</font><font color="#000000" size="2" face="Arial, Helvetica, sans-serif">If
  the Corporation gives notice as provided in section 3.20.3 to the holders of
  the Series AB Preferred Shares of the redemption of all the Series AB Preferred
  Shares, the Corporation shall not be required to give notice as provided in
  this section 3.20.4.1 to the holders of the Series AB Preferred Shares of the
  conversion right and the right of any holder of Series AB Preferred Shares to
  convert such Series AB Preferred Shares as herein provided shall cease and terminate
  in that event.</font> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</font><font color="#000000" size="2" face="Arial, Helvetica, sans-serif">Holders
  of Series AB Preferred Shares shall not be entitled to convert their shares
  into Series AA Preferred Shares if, following the close of business on the 10th
  day preceding a Conversion Date, the Corporation determines that there would
  remain outstanding on the Conversion Date less than 2,500,000 Series AA Preferred
  Shares after taking into account all Series AB Preferred Shares tendered for
  conversion into Series AA Preferred Shares and all Series AA Preferred Shares
  tendered for conversion into Series AB Preferred Shares. The Corporation shall
  give notice in writing thereof, in accordance with the provisions of the first
  paragraph of this section 3.20.4.1, to all affected holders of Series AB Preferred
  </font></P>
<P ALIGN="justify">&nbsp;</P>
<hr>
<p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;132&#150;</font></p>
<p>&nbsp;</p>
<P ALIGN="justify"><font color="#000000" size="2" face="Arial, Helvetica, sans-serif">Shares
  prior to the applicable Conversion Date and will issue and deliver, or cause
  to be delivered, prior to such Conversion Date, at the expense of the Corporation,
  to such holders of Series AB Preferred Shares, who have surrendered for conversion
  any certificate or certificates representing Series AB Preferred Shares, new
  certificates representing the Series AB Preferred Shares represented by any
  certificate or certificates surrendered as aforesaid.</font> </P>
<P ALIGN="justify"><FONT color="#000000" size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.20.4.2</I></B></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT color="#000000" size="2" FACE="Arial, Helvetica, sans-serif"><B><I>Automatic
  Conversion</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</font><font color="#000000" size="2" face="Arial, Helvetica, sans-serif">If
  following the close of business on the 10th day preceding a Conversion Date
  the Corporation determines that there would remain outstanding on the Conversion
  Date less than 2,500,000 Series AB Preferred Shares after taking into account
  all Series AB Preferred Shares tendered for conversion into Series AA Preferred
  Shares and all Series AA Preferred Shares tendered for conversion into Series
  AB Preferred Shares, then, all, but not part, of the remaining outstanding Series
  AB Preferred Shares shall automatically be converted into Series AA Preferred
  Shares on the basis of one (1) Series AA Preferred Share for each Series AB
  Preferred Share on the applicable Conversion Date and the Corporation shall
  give notice in writing thereof, in accordance with the provisions of section
  3.20.4.1, to the holders of such remaining Series AB Preferred Shares prior
  to the Conversion Date.</font> </P>
<P ALIGN="justify"><FONT color="#000000" size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.20.4.3</I></B></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT color="#000000" size="2" FACE="Arial, Helvetica, sans-serif"><B><I>Manner
  of Exercise of Conversion Privilege</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</font><font color="#000000" size="2" face="Arial, Helvetica, sans-serif">The
  conversion of Series AB Preferred Shares may be effected by surrender of the
  certificate or certificates representing the same not earlier than 45 days prior
  to a Conversion Date but not later than the close of business on the 10th day
  preceding a Conversion Date during usual business hours at any office of any
  transfer agent of the Corporation at which the Series AB Preferred Shares are
  transferable accompanied by: (i) payment or evidence of payment of the tax (if
  any) payable as provided in this section 3.20.4.3, and (ii) a written instrument
  of surrender in form satisfactory to the Corporation duly executed by the holder,
  or his attorney duly authorized in writing, in which instrument such holder
  may also elect to convert part only of the Series AB Preferred Shares represented
  by such certificate or certificates not theretofore called for redemption in
  which event the Corporation shall issue and deliver or cause to be delivered
  to such holder, at the expense of the Corporation, a new certificate representing
  the Series AB Preferred Shares represented by such certificate or certificates
  which have not been converted.</font> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</font><font color="#000000" size="2" face="Arial, Helvetica, sans-serif">In
  the event the Corporation is required to convert all remaining outstanding Series
  AB Preferred Shares into Series AA Preferred Shares on the applicable Conversion
  Date as provided for in section 3.20.4.2, the Series AB Preferred Shares in
  respect of which the holders have not previously elected to convert, shall be
  converted on the Conversion Date into Series AA Preferred Shares and the holders
  thereof shall be deemed to be holders of Series AA Preferred Shares at the close
  of business on the Conversion Date and shall be entitled, upon surrender during
  usual business hours at any office of any transfer agent of the Corporation
  at which the Series AB Preferred Shares were transferable of the certificate
  or certificates representing Series AB Preferred Shares not previously surrendered
  for conversion, to receive a certificate or certificates representing the same
  number of Series AA Preferred Shares in the manner and subject to the terms
  and provisions as provided in this section 3.20.4.3.</font> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</font><font color="#000000" size="2" face="Arial, Helvetica, sans-serif">As
  promptly as practicable after the Conversion Date, the Corporation shall issue
  and deliver, or cause to be delivered to or upon the written order of the holder
  of the Series AB Preferred Shares so surrendered, a certificate or certificates,
  issued in the name of, or in such name or names as may be directed by, such
  holder representing the number of fully-paid and non-assessable Series AA Preferred
  Shares and the number of remaining Series AB Preferred Shares, if any, to which
  such holder is entitled. Such conversion shall be deemed to have been made at
  the close of business on the Conversion Date, so that the rights of the holder
  of such Series AB Preferred Shares as the holder thereof shall cease at such
  time and the person or persons entitled to receive Series AA Preferred Shares
  upon such conversion shall be treated for all purposes as having become the
  holder or holders of record of such Series AA Preferred Shares at such time.</font>
</P>
<P ALIGN="justify">&nbsp;</P>
<hr>
<p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;133&#150;</font></p>
<p>&nbsp;</p>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</font><font color="#000000" size="2" face="Arial, Helvetica, sans-serif">The
  holder of any Series AB Preferred Share on the record date for any dividend
  declared payable on such share shall be entitled to such dividend notwithstanding
  that such share is converted into a Series AA Preferred Share after such record
  date and on or before the date of the payment of such dividend.</font> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</font><font color="#000000" size="2" face="Arial, Helvetica, sans-serif">The
  issuance of certificates for the Series AA Preferred Shares upon the conversion
  of Series AB Preferred Shares shall be made without charge to the converting
  holders of Series AB Preferred Shares for any fee or tax in respect of the issuance
  of such certificates or the Series AA Preferred Shares represented thereby;
  provided, however, that the Corporation shall not be required to pay any tax
  which may be imposed upon the person or persons to whom such Series AA Preferred
  Shares are issued in respect of the issuance of such Series AA Preferred Shares
  or the certificate therefor or which may be payable in respect of any transfer
  involved in the issuance and delivery of any such certificate in a name or names
  other than that of the holder of the Series AB Preferred Shares converted, and
  the Corporation shall not be required to issue or deliver such certificate unless
  the person or persons requesting the issuance thereof shall have paid to the
  Corporation the amount of such tax or shall have established to the satisfaction
  of the Corporation that such tax has been paid.</font> </P>
<P ALIGN="justify"><FONT color="#000000" size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.20.4.4</I></B></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT color="#000000" size="2" FACE="Arial, Helvetica, sans-serif"><B><I>Status
  of Converted Series AB Preferred Shares</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</font><font color="#000000" size="2" face="Arial, Helvetica, sans-serif">All
  Series AB Preferred Shares converted into Series AA Preferred Shares on a Conversion
  Date shall not be cancelled but shall be restored to the status of authorized
  but unissued shares of the Corporation as at the close of business on the Conversion
  Date.</font> </P>
<P ALIGN="justify"><FONT color="#000000" size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.20.5</I></B></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT color="#000000" size="2" FACE="Arial, Helvetica, sans-serif"><B><I>Restrictions
  on Dividends and Retirement of Shares</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</font><font color="#000000" size="2" face="Arial, Helvetica, sans-serif">Without
  the approval of the holders of outstanding Series AB Preferred Shares:</font>
</P>
<P ALIGN="justify"><FONT color="#000000" size="2" FACE="Arial, Helvetica, sans-serif">(a)</FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</FONT><FONT color="#000000" size="2" FACE="Arial, Helvetica, sans-serif">the
  Corporation shall not declare, pay or set apart for payment any dividends (other
  than stock dividends payable in shares of the Corporation ranking junior to
  the Series AB Preferred Shares) on the Common Shares of the Corporation or any
  other shares of the Corporation ranking junior to the Series AB Preferred Shares;</FONT>
</P>
<P ALIGN="justify"><FONT color="#000000" size="2" FACE="Arial, Helvetica, sans-serif">(b)</FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</FONT><FONT color="#000000" size="2" FACE="Arial, Helvetica, sans-serif">the
  Corporation shall not redeem, purchase or otherwise retire or make any capital
  distribution on or in respect of the Common Shares of the Corporation or any
  other shares of the Corporation ranking junior to the Series AB Preferred Shares
  (except out of the net cash proceeds of a substantially concurrent issue of
  shares of the Corporation ranking junior to the Series AB Preferred Shares);</FONT>
</P>
<P ALIGN="justify"><FONT color="#000000" size="2" FACE="Arial, Helvetica, sans-serif">(c)</FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</FONT><FONT color="#000000" size="2" FACE="Arial, Helvetica, sans-serif">the
  Corporation shall not purchase or otherwise retire less than all of the Series
  AB Preferred Shares then outstanding; or</FONT> </P>
<P ALIGN="justify"><FONT color="#000000" size="2" FACE="Arial, Helvetica, sans-serif">(d)</FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</FONT><FONT color="#000000" size="2" FACE="Arial, Helvetica, sans-serif">the
  Corporation shall not redeem, purchase or otherwise retire (except in connection
  with the exercise of any retraction privilege or any mandatory redemption obligation
  attaching thereto) any shares of any class or series ranking on a parity with
  the Series AB Preferred Shares provided that, for greater certainty, the covenant
  in this clause (d) shall not limit or affect any such action in respect of any
  class of shares ranking in priority to the Series AB Preferred Shares;</FONT>
</P>
<P ALIGN="justify"><FONT color="#000000" size="2" FACE="Arial, Helvetica, sans-serif">unless,
  in each such case, all cumulative dividends on outstanding Series AB Preferred
  Shares accrued up to and including the dividend payable for the last completed
  period for which dividends were payable shall have been declared and paid.</FONT>
</P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</font><font color="#000000" size="2" face="Arial, Helvetica, sans-serif">Any
  approval of the holders of the Series AB Preferred Shares required to be given
  pursuant to this section 3.20.5 may be given in accordance with the second paragraph
  of section 3.20.7 and section 3.20.10. Notwithstanding the provisions of section
  3.20.10 hereof, any approval required to be given pursuant to this section 3.20.5
  be required to be given only by the affirmative vote of the holders of </font></P>
<P ALIGN="justify">&nbsp;</P>
<hr>
<p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;134&#150;</font></p>
<p>&nbsp;</p>
<P ALIGN="justify"><font color="#000000" size="2" face="Arial, Helvetica, sans-serif">the
  majority of the Series AB Preferred Shares present or represented at a meeting
  or adjourned meeting, of the holders of Series AB Preferred Shares duly called
  for the purpose and at which a quorum is present.</font> </P>
<P ALIGN="justify"><FONT color="#000000" size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.20.6</I></B></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT color="#000000" size="2" FACE="Arial, Helvetica, sans-serif"><B><I>Purchase
  for Cancellation</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</font><font color="#000000" size="2" face="Arial, Helvetica, sans-serif">The
  Corporation may at any time purchase for cancellation the whole or any part
  of the Series AB Preferred Shares outstanding from time to time, in the open
  market through or from an investment dealer or any firm holding membership on
  a recognized stock exchange, or by private agreement or otherwise, at the lowest
  price or prices at which in the opinion of the Board of Directors such shares
  are obtainable.</font> </P>
<P ALIGN="justify"><FONT color="#000000" size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.20.7</I></B></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT color="#000000" size="2" FACE="Arial, Helvetica, sans-serif"><B><I>Voting
  Rights</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</font><font color="#000000" size="2" face="Arial, Helvetica, sans-serif">The
  holders of Series AB Preferred Shares will not be entitled (except as otherwise
  provided by law) to receive notice of, attend, or vote at, any meeting of the
  shareholders of the Corporation unless the Corporation shall have failed to
  pay eight (8) dividends on the Series AB Preferred Shares, whether or not consecutive.
  In that event, and for only so long as any such dividends remain in arrears,
  the holders of Series AB Preferred Shares will be entitled to receive notice
  of and to attend all shareholders&#146; meetings which take place more than
  sixty (60) days after the date on which the failure first occurred, and to one
  (1) vote for each Series AB Preferred Share held, except meetings at which only
  holders of another specified class or series of shares are entitled to vote.</font>
</P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</font><font color="#000000" size="2" face="Arial, Helvetica, sans-serif">In
  connection with any actions to be taken by the Corporation which require the
  approval of the holders of the Series AB Preferred Shares voting as a series
  or as part of a class, each Series AB Preferred Share shall entitle the holder
  thereof to one (1) vote for such purpose.</font> </P>
<P ALIGN="justify"><FONT color="#000000" size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.20.8</I></B></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT color="#000000" size="2" FACE="Arial, Helvetica, sans-serif"><B><I>Issue
  of Additional Preferred Shares</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</font><font color="#000000" size="2" face="Arial, Helvetica, sans-serif">The
  Corporation may issue additional series of First Preferred Shares ranking on
  a parity with the Series AB Preferred Shares without the authorization of the
  holders of the Series AB Preferred Shares.</font> </P>
<P ALIGN="justify"><FONT color="#000000" size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.20.9</I></B></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT color="#000000" size="2" FACE="Arial, Helvetica, sans-serif"><B><I>Modifications</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</font><font color="#000000" size="2" face="Arial, Helvetica, sans-serif">The
  provisions attaching to the Series AB Preferred Shares as a series may be repealed,
  altered, modified or amended from time to time with such approval as may then
  be required by the <I>Canada Business Corporations Act</I>, any such approval
  to be given in accordance with section 3.20.10.</font> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</font><font color="#000000" size="2" face="Arial, Helvetica, sans-serif">None
  of the series provisions of the articles of the Corporation relating to the
  Series AB Preferred Shares shall be amended or otherwise changed unless, contemporaneously
  therewith, the series provisions, if any, relating to the Series AA Preferred
  Shares are, to the extent deemed required by the Corporation, amended or otherwise
  changed in the same proportion and in the same manner.</font> </P>
<P ALIGN="justify"><FONT color="#000000" size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.20.10</I></B></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT color="#000000" size="2" FACE="Arial, Helvetica, sans-serif"><B><I>Approval
  of Holders of Series AB Preferred Shares</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</font><font color="#000000" size="2" face="Arial, Helvetica, sans-serif">Any
  approval given by the holders of the Series AB Preferred Shares shall be deemed
  to have been sufficiently given if it shall have been given by the holders of
  Series AB Preferred Shares as provided in the provisions attaching to the First
  Preferred Shares as a class, which provisions shall apply <I>mutatis mutandis</I>.</font>
</P>
<P ALIGN="justify">&nbsp;</P>
<hr>
<p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;135&#150;</font></p>
<p>&nbsp;</p>
<P ALIGN="justify"><FONT color="#000000" size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.20.11</I></B></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT color="#000000" size="2" FACE="Arial, Helvetica, sans-serif"><B><I>Tax
  Election</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</font><font color="#000000" size="2" face="Arial, Helvetica, sans-serif">The
  Corporation shall elect, in the manner and within the time provided under the
  <I>Income Tax Act </I>(Canada), under subsection 191.2(1)<B> </B>of the said
  Act, or any successor or replacement provision of similar effect, and take all
  other necessary action under such Act, to pay tax at a rate such that no holder
  of the Series AB Preferred Shares will be required to pay tax on dividends received
  on the Series AB Preferred Shares under section 187.2 of Part IV.1 of such Act
  or any successor or replacement provision of similar effect.</font> </P>
<P ALIGN="justify"><FONT color="#000000" size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.20.12</I></B></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT color="#000000" size="2" FACE="Arial, Helvetica, sans-serif"><B><I>Mail
  Service Interruption</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</font><font color="#000000" size="2" face="Arial, Helvetica, sans-serif">If
  the Corporation determines that mail service is, or is threatened to be, interrupted
  at the time when the Corporation is required or elects to give any notice hereunder
  by mail, or is required to send any cheque or any share certificate to the holder
  of any Series AB Preferred Shares, whether in connection with the redemption
  or conversion of such share or otherwise, the Corporation may, notwithstanding
  the provisions hereof:</font> </P>
<P ALIGN="justify"><FONT color="#000000" size="2" FACE="Arial, Helvetica, sans-serif">(a)</FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</FONT><FONT color="#000000" size="2" FACE="Arial, Helvetica, sans-serif">give
  such notice by Electronic Delivery, telex or telegraph communication or by means
  of publication once in each of two successive weeks in a newspaper of general
  circulation published or distributed in Montr&eacute;al and Toronto and such
  notice shall be deemed to have been given on the date on which such Electronic
  Delivery, telex or telegraph communication was given or on the date on which
  the first publication has taken place; and</FONT> </P>
<P ALIGN="justify"><FONT color="#000000" size="2" FACE="Arial, Helvetica, sans-serif">(b)</FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</FONT><FONT color="#000000" size="2" FACE="Arial, Helvetica, sans-serif">fulfill
  the requirement to send such cheque or such share certificate by arranging for
  delivery thereof to the principal office of the Corporation in Montr&eacute;al,
  and such cheque and/or certificate shall be deemed to have been sent on the
  date on which notice of such arrangement shall have been given as provided in
  (a) above, provided that as soon as the Corporation determines that mail service
  is no longer interrupted or threatened to be interrupted such cheque or share
  certificate, if not theretofore delivered to such holder, shall be sent by ordinary
  unregistered first class prepaid mail to the registered address of each person
  who at the date of mailing is a registered holder and who is entitled to receive
  such cheque or share certificate, or in the event of the address of any such
  holder not appearing on the securities register of the Corporation, then at
  the last address of such holder known to the Corporation.</FONT> </P>
<P ALIGN="justify"><FONT color="#000000" size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.20.13</I></B></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT color="#000000" size="2" FACE="Arial, Helvetica, sans-serif"><B><I>Notice
  of Subsequent Fixed Dividend Rate Applicable to the Series AA Preferred Shares</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</font><font color="#000000" size="2" face="Arial, Helvetica, sans-serif">Within
  three (3) business days of the determination of the Subsequent Fixed Dividend
  Rate (as defined in section 3.19.1.1 of the articles of the Corporation relating
  to the Series AA Preferred Shares) the Corporation shall give notice thereof,
  except in relation to the initial Subsequent Fixed Rate Period, to the holders
  of the Series AB Preferred Shares by publication once in the national edition
  of The Globe and Mail in the English language and once in the City of Montr&eacute;al
  in both the French and English languages in a daily newspaper of general circulation
  in Montr&eacute;al; provided that if any such newspaper is not being generally
  circulated at that time, such notice shall be published in another equivalent
  publication.</font> </P>
<P ALIGN="justify"><FONT color="#000000" size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.20.14</I></B></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT color="#000000" size="2" FACE="Arial, Helvetica, sans-serif"><B><I>Definitions</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</font><font color="#000000" size="2" face="Arial, Helvetica, sans-serif">In
  the provisions herein contained attaching to the Series AB Preferred Shares:</font>
</P>
<P ALIGN="justify"><FONT color="#000000" size="2" FACE="Arial, Helvetica, sans-serif">(a)</FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</FONT><FONT color="#000000" size="2" FACE="Arial, Helvetica, sans-serif">&#147;accrued
  and unpaid dividends&#148; means the aggregate of: (i) all unpaid dividends
  on the Series AB Preferred Shares for any Dividend Period; and (ii) the amount
  calculated as though dividends on each Series AB Preferred Share had been accruing
  on a day-to-day basis from and including the first day of the Month immediately
  following the Dividend Period with respect to which the last monthly dividend
  will be or was, as the case may be, payable to but excluding the date to which
  the computation of accrued</FONT></P>
<P ALIGN="justify">&nbsp;</P>
<hr>
<p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;136&#150;</font></p>
<p>&nbsp;</p>
<P ALIGN="justify"><FONT color="#000000" size="2" FACE="Arial, Helvetica, sans-serif">dividends
  is to be made; and</FONT> </P>
<P ALIGN="justify"><FONT color="#000000" size="2" FACE="Arial, Helvetica, sans-serif">(b)</FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</FONT><FONT color="#000000" size="2" FACE="Arial, Helvetica, sans-serif">&#147;in
  priority to&#148;, &#147;on a parity with&#148; and &#147;junior to&#148; have
  reference to the order of priority in payment of dividends and in the distribution
  of assets in the event of any liquidation, dissolution or winding up of the
  Corporation, whether voluntary or involuntary, or other distribution of the
  assets of the Corporation among its shareholders for the purpose of winding
  up its affairs.</FONT> </P>
<P ALIGN="justify"><FONT color="#000000" size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.20.15</I></B></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT color="#000000" size="2" FACE="Arial, Helvetica, sans-serif"><B><I>Interpretation</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</font><font color="#000000" size="2" face="Arial, Helvetica, sans-serif">In
  the event that any date on which any dividend on the Series AB Preferred Shares
  is payable by the Corporation, or any date on or by which any other action is
  required to be taken by the Corporation or the holders of Series AB Preferred
  Shares hereunder, is not a business day (as hereinafter defined), then such
  dividend shall be payable, or such other action shall be required to be taken,
  on or by the next succeeding day that is a business day. A &#147;business day&#148;
  shall be a day other than a Saturday, a Sunday or any other day that is treated
  as a holiday at the Corporation&#146;s principal office in Canada.</font> </P>
<P ALIGN="justify"><FONT color="#000000" size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.20.16</I></B></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT color="#000000" size="2" FACE="Arial, Helvetica, sans-serif"><B><I>Issue
  of Series AB Preferred Shares</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</font><font color="#000000" size="2" face="Arial, Helvetica, sans-serif">The
  Corporation may not issue any Series AB Preferred Shares prior to September
  1, 2007.</font> </P>
<P ALIGN="justify"><FONT color="#000000" size="2" FACE="Arial, Helvetica, sans-serif"><B>3.21</B></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT color="#000000" size="2" FACE="Arial, Helvetica, sans-serif"><B>Series
  AC Preferred Shares</B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</font><font color="#000000" size="2" face="Arial, Helvetica, sans-serif">The
  Series AC Preferred Shares shall, in addition to the rights, privileges, restrictions
  and conditions attaching to the First Preferred Shares as a class, carry and
  be subject to the following rights, privileges, restrictions and conditions:</font>
</P>
<P ALIGN="justify"><FONT color="#000000" size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.21.1</I></B></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT color="#000000" size="2" FACE="Arial, Helvetica, sans-serif"><B><I>Dividend</I></B></FONT></P>
<P ALIGN="justify"><FONT color="#000000" size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.21.1.1</I></B></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT color="#000000" size="2" FACE="Arial, Helvetica, sans-serif"><B><I>Definitions</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</font><font color="#000000" size="2" face="Arial, Helvetica, sans-serif">For
  the purposes hereof, the following capitalized terms shall have the following
  meanings, unless the context otherwise requires:</font> </P>
<P ALIGN="justify"><FONT color="#000000" size="2" FACE="Arial, Helvetica, sans-serif">(a)</FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</FONT><FONT color="#000000" size="2" FACE="Arial, Helvetica, sans-serif">&#147;Annual
  Dividend Rate&#148; means the Subsequent Fixed Dividend Rate applicable at the
  relevant time;</FONT> </P>
<P ALIGN="justify"><FONT color="#000000" size="2" FACE="Arial, Helvetica, sans-serif">(b)</FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</FONT><FONT color="#000000" size="2" FACE="Arial, Helvetica, sans-serif">&#147;Dividend
  Payment Date&#148; means the first day of each of March, June, September and
  December in each year and the first Dividend Payment Date shall be June&nbsp;1,
  2003;</FONT> </P>
<P ALIGN="justify"><FONT color="#000000" size="2" FACE="Arial, Helvetica, sans-serif">(c)</FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</FONT><FONT color="#000000" size="2" FACE="Arial, Helvetica, sans-serif">&#147;Government
  of Canada Yield&#148; on any date means the average of the yields determined
  by two registered Canadian investment dealers, selected by the Corporation,
  as being the yield to maturity on such date compounded semi-annually and calculated
  in accordance with generally accepted financial practice, which a non-callable
  Government of Canada Bond would carry, if issued in Canadian dollars in Canada
  at 100% of its principal amount on such date with a term to maturity of five
  years;</FONT> </P>
<P ALIGN="justify"><FONT color="#000000" size="2" FACE="Arial, Helvetica, sans-serif">(d)</FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</FONT><FONT color="#000000" size="2" FACE="Arial, Helvetica, sans-serif">&#147;Electronic
  Delivery&#148; means the delivery by telecopier, electronic mail, the Internet
  or other electronic means;</FONT> </P>
<P ALIGN="justify"><FONT color="#000000" size="2" FACE="Arial, Helvetica, sans-serif">(e)</FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</FONT><FONT color="#000000" size="2" FACE="Arial, Helvetica, sans-serif">&#147;Initial
  Fixed Dividend Amount&#148; means an amount equal to $1.385 per share per annum;</FONT>
</P>
<P ALIGN="justify"><FONT color="#000000" size="2" FACE="Arial, Helvetica, sans-serif">(f)</FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif"> </FONT><FONT color="#000000" size="2" FACE="Arial, Helvetica, sans-serif">&#147;Initial
  Fixed Rate Period&#148; means the period commencing with the date of issue of
  the </FONT></P>
<P ALIGN="justify">&nbsp;</P>
<hr>
<p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;137&#150;</font></p>
<p>&nbsp;</p>
<P ALIGN="justify"><FONT color="#000000" size="2" FACE="Arial, Helvetica, sans-serif">Series
  AC Preferred Shares and ending on and including February&nbsp;29, 2008;</FONT>
</P>
<P ALIGN="justify"><FONT color="#000000" size="2" FACE="Arial, Helvetica, sans-serif">(g)</FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</FONT><FONT color="#000000" size="2" FACE="Arial, Helvetica, sans-serif">&#147;Subsequent
  Fixed Dividend Rate&#148; means for any Subsequent Fixed Rate Period the rate
  of interest expressed as a percentage per annum determined in accordance with
  section 3.21.1.5 hereof;</FONT> </P>
<P ALIGN="justify"><FONT color="#000000" size="2" FACE="Arial, Helvetica, sans-serif">(h)</FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</FONT><FONT color="#000000" size="2" FACE="Arial, Helvetica, sans-serif">&#147;Subsequent
  Fixed Rate Period&#148; means for the initial Subsequent Fixed Rate Period,
  the period commencing on March&nbsp;1, 2008 and ending on and including February&nbsp;28,
  2013 and for each succeeding Subsequent Fixed Rate Period, the period commencing
  on the day immediately following the end of the immediately preceding Subsequent
  Fixed Rate Period and ending on and including the last day of February in the
  fifth year thereafter.</FONT> </P>
<P ALIGN="justify"><FONT color="#000000" size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.21.1.2</I></B></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT color="#000000" size="2" FACE="Arial, Helvetica, sans-serif"><B><I>General</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</font><font color="#000000" size="2" face="Arial, Helvetica, sans-serif">The
  holders of the Series AC Preferred Shares shall be entitled to receive fixed,
  cumulative, preferred cash dividends, as and when declared by the Board of Directors,
  out of moneys of the Corporation properly applicable to the payment of dividends,
  at the rates herein provided. Dividends on the Series AC Preferred Shares shall
  accrue on a daily basis from and including the date of issue thereof, and shall
  be payable quarterly during the Initial Fixed Rate Period and during any Subsequent
  Fixed Rate Period. Payment of the dividend on the Series AC Preferred Shares
  payable on any Dividend Payment Date (less any tax required to be deducted)
  shall be made by cheque at par in lawful money of Canada payable at any branch
  in Canada of the Corporation&#146;s bankers.</font> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</font><font color="#000000" size="2" face="Arial, Helvetica, sans-serif">Dividends
  declared on the Series AC Preferred Shares shall (except in case of redemption
  in which case payment of dividends shall be made on surrender of the certificate
  representing the Series AC Preferred Shares to be redeemed) be paid by posting
  in a postage paid envelope addressed to each holder of the Series AC Preferred
  Shares at the last address of such holder as it appears on the securities register
  of the Corporation or, in the event of the address of any holder not so appearing,
  then to the address of such holder last known to the Corporation, or, in the
  case of joint holders, to the address of that one whose name appears first in
  the securities register of the Corporation as one of such joint holders, a cheque
  for such dividends (less any tax required to be deducted) payable to the order
  of such holder or, in the case of joint holders, to the order of all such holders
  failing written instructions from them to the contrary. Notwithstanding the
  foregoing, any dividend cheque may be delivered by the Corporation to a holder
  of Series AC Preferred Shares at his address as aforesaid. The posting or delivery
  of such cheque shall be deemed to be payment and shall satisfy and discharge
  all liabilities for the payment of such dividends to the extent of the sum represented
  thereby (plus the amount of any tax required to be deducted as aforesaid) unless
  such cheque is not paid on due presentation.</font> </P>
<P ALIGN="justify"><FONT color="#000000" size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.21.1.3</I></B></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT color="#000000" size="2" FACE="Arial, Helvetica, sans-serif"><B><I>Initial
  Fixed Rate Period</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</font><font color="#000000" size="2" face="Arial, Helvetica, sans-serif">During
  the Initial Fixed Rate Period, the amount of the dividend in respect of the
  Series AC Preferred Shares payable quarterly shall be equal to $0.34625 per
  share. If the original date of issue of the Series AC Preferred Shares is February&nbsp;28,
  2003, the amount of the first quarterly dividend payable on each Series AC Preferred
  Share on June&nbsp;1, 2003, shall be $0.34625. Otherwise, the first quarterly
  dividend payable on each Series AC Preferred Share on June&nbsp;1, 2003, shall
  be in the amount (rounded to the nearest one-thousandth (1/1000) of one cent)
  obtained by multiplying $1.385 by a fraction of which the numerator is the number
  of days from and including the original date of issue of the Series AC Preferred
  Shares to but excluding June&nbsp;1, 2003, and the denominator is 365.</font>
</P>
<P ALIGN="justify"><FONT color="#000000" size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.21.1.4</I></B></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT color="#000000" size="2" FACE="Arial, Helvetica, sans-serif"><B><I>Subsequent
  Fixed Rate Period</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</font><font color="#000000" size="2" face="Arial, Helvetica, sans-serif">During
  any Subsequent Fixed Rate Period, the dividends in respect of the Series AC
  Preferred Shares shall be payable quarterly at the Subsequent Fixed Dividend
  Rate. Accordingly, on each Dividend Payment Date during any Subsequent Fixed
  Rate Period, the dividend payable shall be that </font></P>
<P ALIGN="justify">&nbsp;</P>
<hr>
<p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;138&#150;</font></p>
<p>&nbsp;</p>
<P ALIGN="justify"><font color="#000000" size="2" face="Arial, Helvetica, sans-serif">amount
  per share (rounded to the nearest one-thousandth (1/1000) of one cent) obtained
  by multiplying the Annual Dividend Rate by $25.00 and by dividing the product
  by four.</font> </P>
<P ALIGN="justify"><FONT color="#000000" size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.21.1.5</I></B></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT color="#000000" size="2" FACE="Arial, Helvetica, sans-serif"><B><I>Determination
  of Subsequent Fixed Dividend Rate</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</font><font color="#000000" size="2" face="Arial, Helvetica, sans-serif">The
  Corporation shall determine on the 25th day prior to the first day of each Subsequent
  Fixed Rate Period the Annual Dividend Rate for each Subsequent Fixed Rate Period,
  which Annual Dividend Rate shall not be less than 80% of the Government of Canada
  Yield in effect at 10:00 A.M. (Montr&eacute;al Time) on the said 25th day prior
  to the first day of each Subsequent Fixed Rate Period, and give notice thereof:
  (i) within one (1) business day to all stock exchanges in Canada on which the
  Series AC Preferred Shares are listed for trading or if the Series AC Preferred
  Shares are not listed on a stock exchange in Canada, to the Investment Dealers
  Association of Canada; and (ii) within three (3) business days to the holders
  of the Series AC Preferred Shares by publication once in the national edition
  of The Globe and Mail in the English language and once in the City of Montr&eacute;al
  in both the French and English languages in a daily newspaper of general circulation
  in Montr&eacute;al; provided that if any such newspaper is not being generally
  circulated at that time, such notice shall be published in another equivalent
  publication.</font> </P>
<P ALIGN="justify"><FONT color="#000000" size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.21.2</I></B></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT color="#000000" size="2" FACE="Arial, Helvetica, sans-serif"><B><I>Rights
  on Liquidation</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</font><font color="#000000" size="2" face="Arial, Helvetica, sans-serif">In
  the event of the liquidation, dissolution or winding up of the Corporation or
  any other distribution of assets of the Corporation for the purpose of winding
  up its affairs, the holders of the Series AC Preferred Shares shall be entitled
  to receive $25.00 per Series AC Preferred Share together with all dividends
  accrued and unpaid up to but excluding the date of payment or distribution,
  before any amounts shall be paid or any assets of the Corporation distributed
  to the holders of the Common Shares of the Corporation or any other shares of
  the Corporation ranking junior to the Series AC Preferred Shares. Upon payment
  of such amounts, the holders of the Series AC Preferred Shares shall not be
  entitled to share in any further distribution of the property or assets of the
  Corporation.</font> </P>
<P ALIGN="justify"><FONT color="#000000" size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.21.3</I></B></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT color="#000000" size="2" FACE="Arial, Helvetica, sans-serif"><B><I>Redemption
  at the Option of the Corporation</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</font><font color="#000000" size="2" face="Arial, Helvetica, sans-serif">The
  Corporation may not redeem any of the Series AC Preferred Shares prior to March&nbsp;1<B>,</B>
  2008. Subject to applicable law and section 3.21.5 hereof, upon giving notice
  as hereinafter provided, the Corporation may, on March&nbsp;1<B>,</B> 2008,
  or on March&nbsp;1 in every fifth year thereafter, redeem all, but not less
  than all, of the outstanding Series AC Preferred Shares, on payment of $25.00
  for each such share to be redeemed, together with accrued and unpaid dividends
  up to but excluding the date fixed for redemption, the whole constituting the
  redemption price.</font> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</font><font color="#000000" size="2" face="Arial, Helvetica, sans-serif">The
  Corporation shall give notice in writing not less than 45 days nor more than
  60 days prior to the date on which the redemption is to take place to each person
  who at the date of giving such notice is the holder of Series AC Preferred Shares
  to be redeemed of the intention of the Corporation to redeem such shares; such
  notice shall be given, at the option of the Corporation, by courier or by posting
  the same in a postage paid envelope, in either case, addressed to each holder
  of Series AC Preferred Shares to be redeemed at the last address of such holder
  as it appears on the securities register of the Corporation or, in the event
  of the address of any holder not so appearing, then to the address of such holder
  last known to the Corporation, or by Electronic Delivery addressed to each holder
  of Series AC Preferred Shares requesting Electronic Delivery at the last electronic
  address as provided by the holder to the Corporation, provided that the accidental
  failure or omission to give any such notices as aforesaid to one or more of
  such holders shall not affect the validity of the redemption as to the other
  holders of the Series AC Preferred Shares to be redeemed. Such notice shall
  set out the number of such Series AC Preferred Shares held by the person to
  whom it is addressed which are to be redeemed and the redemption price and shall
  also set out the date on which the redemption is to take place, and on and after
  the date so specified for redemption the Corporation shall pay or cause to be
  paid to the holders of such Series AC Preferred Shares to be redeemed the redemption
  price on presentation and surrender at any place or places within Canada designated
  by such </font></P>
<P ALIGN="justify">&nbsp;</P>
<hr>
<p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;139&#150;</font></p>
<p>&nbsp;</p>
<P ALIGN="justify"><font color="#000000" size="2" face="Arial, Helvetica, sans-serif">notice,
  of the certificate or certificates for such Series AC Preferred Shares so called
  for redemption; such payment shall be made by cheque payable at par at any branch
  in Canada of the Corporation&#146;s bankers; from and after the date specified
  in any such notice, the Series AC Preferred Shares called for redemption shall
  cease to be entitled to dividends and the holders thereof shall not be entitled
  to exercise any of the rights of shareholders in respect thereof unless payment
  of the redemption price shall not be duly made by the Corporation; at any time
  after notice of redemption is given as aforesaid, the Corporation shall have
  the right to deposit the redemption price of any or all Series AC Preferred
  Shares called for redemption with any chartered bank or banks or with any trust
  company or trust companies in Canada named in the notice of redemption to the
  credit of a special account or accounts in trust for the respective holders
  of such shares, to be paid to them respectively upon surrender to such bank
  or banks or trust company or trust companies of the certificate or certificates
  representing the same, and upon such deposit or deposits being made, such shares
  shall be redeemed on the redemption date specified in the notice of redemption;
  after the Corporation has made a deposit as aforesaid with respect to any shares,
  the holders thereof shall not, from and after the redemption date, be entitled
  to exercise any of the rights of shareholders in respect thereof and the rights
  of the holders thereof shall be limited to receiving the proportion of the amounts
  so deposited applicable to such shares, without interest; any interest allowed
  on such deposit shall belong to the Corporation.</font> </P>
<P ALIGN="justify"><FONT color="#000000" size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.21.4</I></B></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT color="#000000" size="2" FACE="Arial, Helvetica, sans-serif"><B><I>Conversion
  of Series AC Preferred Shares</I></B></FONT></P>
<P ALIGN="justify"><FONT color="#000000" size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.21.4.1</I></B></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT color="#000000" size="2" FACE="Arial, Helvetica, sans-serif"><B><I>Conversion
  at the Option of the Holder</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</font><font color="#000000" size="2" face="Arial, Helvetica, sans-serif">Holders
  of Series AC Preferred Shares shall have the right, at their option, on March&nbsp;1<B>,</B>
  2008 and on March&nbsp;1 in every fifth year thereafter (a &#147;Conversion
  Date&#148;), to convert, subject to the terms and conditions hereof, all or
  any Series AC Preferred Shares registered in their name into Series AD Preferred
  Shares of the Corporation on the basis of one (1) Series AD Preferred Share
  for each Series AC Preferred Share. The Corporation shall give notice in writing
  to the then holders of the Series AC Preferred Shares of the conversion right
  provided for herein; such notice shall be given, at the option of the Corporation,
  by courier or by posting the same in a postage paid envelope, in either case,
  addressed to each holder of the Series AC Preferred Shares at the last address
  of such holder as it appears on the securities register of the Corporation or,
  in the event of the address of any holder not so appearing, then to the address
  of such holder last known to the Corporation or by Electronic Delivery addressed
  to each holder of Series AC Preferred Shares requesting Electronic Delivery
  at the last electronic address as provided by the holder to the Corporation.
  Such notice shall set out the Conversion Date and shall be given not less than
  45 days nor more than 60 days prior to the applicable Conversion Date.</font>
</P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</font><font color="#000000" size="2" face="Arial, Helvetica, sans-serif">If
  the Corporation gives notice as provided in section 3.21.3 to the holders of
  the Series AC Preferred Shares of the redemption of all the Series AC Preferred
  Shares, the Corporation shall not be required to give notice as provided in
  this section 3.21.4.1 to the holders of the Series AC Preferred Shares of the
  conversion right and the right of any holder of Series AC Preferred Shares to
  convert such Series AC Preferred Shares as herein provided shall cease and terminate
  in that event.</font> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</font><font color="#000000" size="2" face="Arial, Helvetica, sans-serif">Holders
  of Series AC Preferred Shares shall not be entitled to convert their shares
  into Series AD Preferred Shares if, following the close of business on the 10th
  day preceding a Conversion Date, the Corporation determines that there would
  remain outstanding on the Conversion Date less than 2,500,000 Series AD Preferred
  Shares, after taking into account all Series AC Preferred Shares tendered for
  conversion into Series AD Preferred Shares and all Series AD Preferred Shares
  tendered for conversion into Series AC Preferred Shares. The Corporation shall
  give notice in writing thereof, in accordance with the provisions of the first
  paragraph of this section 3.21.4.1, to all affected holders of Series AC Preferred
  Shares prior to the applicable Conversion Date and will issue and deliver, or
  cause to be delivered, prior to such Conversion Date, at the expense of the
  Corporation, to such holders of Series AC Preferred Shares, who have surrendered
  for conversion any certificate or certificates representing Series AC Preferred
  Shares, new certificates representing the Series AC Preferred Shares represented
  by any certificate or certificates surrendered as aforesaid.</font> </P>
<div align="justify">
  <p>&nbsp;</p>
  <hr>
  <p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;140&#150;</font></p>
  <p>&nbsp;</p>
  <p><FONT color="#000000" size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.21.4.2</I></B></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT color="#000000" size="2" FACE="Arial, Helvetica, sans-serif"><B><I>Automatic
    Conversion</I></B></FONT> </p>
</div>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</font><font color="#000000" size="2" face="Arial, Helvetica, sans-serif">If
  following the close of business on the 10th day preceding a Conversion Date
  the Corporation determines that there would remain outstanding on the Conversion
  Date less than 2,500,000 Series AC Preferred Shares after taking into account
  all Series AC Preferred Shares tendered for conversion into Series AD Preferred
  Shares and all Series AD Preferred Shares tendered for conversion into Series
  AC Preferred Shares, then, all, but not part, of the remaining outstanding Series
  AC Preferred Shares shall automatically be converted into Series AD Preferred
  Shares on the basis of one (1) Series AD Preferred Share for each Series AC
  Preferred Share on the applicable Conversion Date and the Corporation shall
  give notice in writing thereof, in accordance with the provisions of section
  3.21.4.1, to the holders of such remaining Series AC Preferred Shares prior
  to the Conversion Date.</font> </P>
<P ALIGN="justify"><FONT color="#000000" size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.21.4.3</I></B></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT color="#000000" size="2" FACE="Arial, Helvetica, sans-serif"><B><I>Manner
  of Exercise of Conversion Privilege</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</font><font color="#000000" size="2" face="Arial, Helvetica, sans-serif">The
  conversion of Series AC Preferred Shares may be effected by surrender of the
  certificate or certificates representing the same not earlier than 45 days prior
  to a Conversion Date but not later than the close of business on the 10th day
  preceding a Conversion Date during usual business hours at any office of any
  transfer agent of the Corporation at which the Series AC Preferred Shares are
  transferable accompanied by: i) payment or evidence of payment of the tax (if
  any) payable, as provided in this section 3.21.4.3; and ii) a written instrument
  of surrender in form satisfactory to the Corporation duly executed by the holder,
  or his attorney duly authorized in writing, in which instrument such holder
  may also elect to convert part only of the Series AC Preferred Shares represented
  by such certificate or certificates not theretofore called for redemption in
  which event the Corporation shall issue and deliver or cause to be delivered
  to such holder, at the expense of the Corporation, a new certificate representing
  the Series AC Preferred Shares represented by such certificate or certificates
  which have not been converted.</font> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</font><font color="#000000" size="2" face="Arial, Helvetica, sans-serif">In
  the event the Corporation is required to convert all remaining outstanding Series
  AC Preferred Shares into Series AD Preferred Shares on the applicable Conversion
  Date as provided for in section 3.21.4.2, the Series AC Preferred Shares, in
  respect of which the holders have not previously elected to convert, shall be
  converted on the Conversion Date into Series AD Preferred Shares and the holders
  thereof shall be deemed to be holders of Series AD Preferred Shares at the close
  of business on the Conversion Date and shall be entitled, upon surrender during
  usual business hours at any office of any transfer agent of the Corporation
  at which the Series AC Preferred Shares were transferable of the certificate
  or certificates representing Series AC Preferred Shares not previously surrendered
  for conversion, to receive a certificate or certificates representing the same
  number of Series AD Preferred Shares in the manner and subject to the terms
  and provisions as provided in this section 3.21.4.3.</font> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</font><font color="#000000" size="2" face="Arial, Helvetica, sans-serif">As
  promptly as practicable after the Conversion Date, the Corporation shall issue
  and deliver, or cause to be delivered to or upon the written order of the holder
  of the Series AC Preferred Shares so surrendered, a certificate or certificates,
  issued in the name of, or in such name or names as may be directed by, such
  holder representing the number of fully-paid and non-assessable Series AD Preferred
  Shares and the number of remaining Series AC Preferred Shares, if any, to which
  such holder is entitled. Such conversion shall be deemed to have been made at
  the close of business on the Conversion Date, so that the rights of the holder
  of such Series AC Preferred Shares as the holder thereof shall cease at such
  time and the person or persons entitled to receive Series AD Preferred Shares
  upon such conversion shall be treated for all purposes as having become the
  holder or holders of record of such Series AD Preferred Shares at such time.</font>
</P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</font><font color="#000000" size="2" face="Arial, Helvetica, sans-serif">The
  holder of any Series AC Preferred Share on the record date for any dividend
  declared payable on such share shall be entitled to such dividend notwithstanding
  that such share is converted into a Series AD Preferred Share after such record
  date and on or before the date of the payment of such dividend.</font> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</font><font color="#000000" size="2" face="Arial, Helvetica, sans-serif">The
  issuance of certificates for the Series AD Preferred Shares upon the conversion
  of Series AC Preferred Shares shall be made without charge to the converting
  holders of Series AC Preferred</font> </P>
<p>&nbsp;</p>
<div align="justify">
  <hr>
  <p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;141&#150;</font></p>
  <p>&nbsp;</p>
  <p><FONT size="2" FACE="Arial, Helvetica, sans-serif">Shares for any fee or
    tax in respect of the issuance of such certificates or the Series AD Preferred
    Shares represented thereby; provided, however, that the Corporation shall
    not be required to pay any tax which may be imposed upon the person or persons
    to whom such Series AD Preferred Shares are issued in respect of the issuance
    of such Series AD Preferred Shares or the certificate therefor or which may
    be payable in respect of any transfer involved in the issuance and delivery
    of any such certificate in a name or names other than that of the holder of
    the Series AC Preferred Shares converted, and the Corporation shall not be
    required to issue or deliver such certificate unless the person or persons
    requesting the issuance thereof shall have paid to the Corporation the amount
    of such tax or shall have established to the satisfaction of the Corporation
    that such tax has been paid.</FONT> </p>
</div>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.21.4.4</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Status
  of Converted Series AC Preferred Shares</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;All Series AC Preferred Shares converted into Series AD Preferred Shares
  on a Conversion Date shall not be cancelled but shall be restored to the status
  of authorized but unissued shares of the Corporation as at the close of business
  on the Conversion Date.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.21.5</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Restrictions
  on Dividends and Retirement of Shares</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;Without the approval of the holders of outstanding Series AC Preferred
  Shares:</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;the Corporation shall not declare, pay or set apart for payment any dividends
  (other than stock dividends payable in shares of the Corporation ranking junior
  to the Series AC Preferred Shares) on the Common Shares of the Corporation or
  any other shares of the Corporation ranking junior to the Series AC Preferred
  Shares;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;the Corporation shall not redeem, purchase or otherwise retire or make
  any capital distribution on or in respect of the Common Shares of the Corporation
  or any other shares of the Corporation ranking junior to the Series AC Preferred
  Shares (except out of the net cash proceeds of a substantially concurrent issue
  of shares of the Corporation ranking junior to the Series AC Preferred Shares);</FONT>
</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;the Corporation shall not purchase or otherwise retire less than all of
  the Series AC Preferred Shares then outstanding; or</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;the Corporation shall not redeem, purchase or otherwise retire (except
  in connection with the exercise of any retraction privilege or any mandatory
  redemption obligation attaching thereto) any shares of any class or series ranking
  on a parity with the Series AC Preferred Shares provided that, for greater certainty,
  the covenant in this clause (d) shall not limit or affect any such action in
  respect of any class of shares ranking in priority to the Series AC Preferred
  Shares;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">unless,
  in each such case, all cumulative dividends on outstanding Series AC Preferred
  Shares accrued up to and including the dividend payable for the last completed
  period for which dividends were payable shall have been declared and paid.</FONT>
</P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;Any approval of the holders of Series AC Preferred Shares required to
  be given pursuant to this section 3.21.5 may be given in accordance with the
  second paragraph of section 3.21.7 and section 3.21.10. Notwithstanding the
  provisions of section 3.21.10 hereof, any approval required to be given pursuant
  to this section 3.21.5 shall be required to be given only by the affirmative
  vote of the holders of the majority of the Series AC Preferred Shares present
  or represented at a meeting, or adjourned meeting, of the holders of Series
  AC Preferred Shares duly called for the purpose and at which a quorum is present.</font>
</P>
<P ALIGN="justify">&nbsp;</P>
<hr>
<p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;142&#150;</font></p>
<p>&nbsp;</p>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.21.6</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Purchase
  for Cancellation</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The Corporation may at any time purchase for cancellation the whole or
  any part of the Series AC Preferred Shares outstanding from time to time, in
  the open market through or from an investment dealer or any firm holding membership
  on a recognized stock exchange, or by private agreement or otherwise, at the
  lowest price or prices at which in the opinion of the Board of Directors such
  shares are obtainable.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.21.7</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Voting
  Rights</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The holders of Series AC Preferred Shares will not be entitled (except
  as otherwise provided by law) to receive notice of, attend, or vote at, any
  meeting of the shareholders of the Corporation unless the Corporation shall
  have failed to pay eight (8) dividends on the Series AC Preferred Shares, whether
  or not consecutive. In that event, and for only so long as any such dividends
  remain in arrears, the holders of Series AC Preferred Shares will be entitled
  to receive notice of and to attend all shareholders&#146; meetings which take
  place more than sixty (60) days after the date on which the failure first occurred,
  and to one (1) vote for each Series AC Preferred Share held, except meetings
  at which only holders of another specified class or series of shares are entitled
  to vote.</font> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;In connection with any actions to be taken by the Corporation which require
  the approval of the holders of the Series AC Preferred Shares voting as a series
  or as part of a class, each Series AC Preferred Share shall entitle the holder
  thereof to one (1) vote for such purpose.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.21.8</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Issue
  of Additional Preferred Shares</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The Corporation may issue additional series of First Preferred Shares
  ranking on a parity with the Series AC Preferred Shares without the authorization
  of the holders of the Series AC Preferred Shares.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.21.9</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Modifications</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The provisions attaching to the Series AC Preferred Shares as a series
  may be repealed, altered, modified or amended from time to time with such approval
  as may then be required by the <I>Canada Business Corporations Act</I>, any
  such approval to be given in accordance with section 3.21.10.</font> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;None of the series provisions of the articles of the Corporation relating
  to the Series AC Preferred Shares shall be amended or otherwise changed unless,
  contemporaneously therewith, the series provisions, if any, relating to the
  Series AD Preferred Shares are, to the extent deemed required by the Corporation,
  amended or otherwise changed in the same proportion and in the same manner.</font>
</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.21.10</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Approval
  of Holders of Series AC Preferred Shares</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;Any approval given by the holders of the Series AC Preferred Shares shall
  be deemed to have been sufficiently given if it shall have been given by the
  holders of Series AC Preferred Shares as provided in the provisions attaching
  to the First Preferred Shares as a class, which provisions shall apply <I>mutatis
  mutandis</I>.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.21.11</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Tax
  Election</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The Corporation shall elect, in the manner and within the time provided
  under the <I>Income </I></font></P>
<P ALIGN="justify">&nbsp;</P>
<hr>
<p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;143&#150;</font></p>
<p>&nbsp;</p>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif"><I>Tax Act
  </I>(Canada), under subsection 191.2(1)<B> </B>of the said Act, or any successor
  or replacement provision of similar effect, and take all other necessary action
  under such Act, to pay tax at a rate such that no holder of the Series AC Preferred
  Shares will be required to pay tax on dividends received on the Series AC Preferred
  Shares under section 187.2 of<B> </B>Part IV.1 of such Act or any successor
  or replacement provision of similar effect.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.21.12</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Mail
  Service Interruption</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;If the Corporation determines that mail service is, or is threatened to
  be, interrupted at the time when the Corporation is required or elects to give
  any notice hereunder by mail, or is required to send any cheque or any share
  certificate to the holder of any Series AC Preferred Shares, whether in connection
  with the redemption or conversion of such share or otherwise, the Corporation
  may, notwithstanding the provisions hereof:</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;give such notice by Electronic Delivery, telex or telegraph communication
  or by means of publication once in each of two successive weeks in a newspaper
  of general circulation published or distributed in Montr&eacute;al and Toronto
  and such notice shall be deemed to have been given on the date on which such
  Electronic Delivery, telex or telegraph communication was given or on the date
  on which the first publication has taken place; and</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;fulfill the requirement to send such cheque or such share certificate
  by arranging for delivery thereof to the principal office of the Corporation
  in Montr&eacute;al, and such cheque and/or certificate shall be deemed to have
  been sent on the date on which notice of such arrangement shall have been given
  as provided in (a) above, provided that as soon as the Corporation determines
  that mail service is no longer interrupted or threatened to be interrupted such
  cheque or share certificate, if not theretofore delivered to such holder, shall
  be sent by ordinary unregistered first class prepaid mail to the registered
  address of each person who at the date of mailing is a registered holder and
  who is entitled to receive such cheque or share certificate, or in the event
  of the address of any such holder not appearing on the securities register of
  the Corporation, then at the last address of such holder known to the Corporation.</FONT>
</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.21.13</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Definitions</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;In the provisions herein contained attaching to the Series AC Preferred
  Shares:</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;accrued and unpaid dividend&#148; means the aggregate of (A) all
  unpaid dividends on the Series AC Preferred Shares for any quarterly period
  and (B) the amount calculated as though dividends on each Series AC Preferred
  Share had been accruing on a day-to-day basis from and including the date on
  which the last quarterly dividend was payable to but excluding the date to which
  the computation of accrued dividends is to be made; and</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;in priority to&#148;, &#147;on a parity with&#148; and &#147;junior
  to&#148; have reference to the order of priority in payment of dividends and
  in the distribution of assets in the event of any liquidation, dissolution or
  winding up of the Corporation, whether voluntary or involuntary, or other distribution
  of the assets of the Corporation among its shareholders for the purpose of winding
  up its affairs.</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.21.14</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Interpretation</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;In the event that any date on which any dividend on the Series AC Preferred
  Shares is payable by the Corporation, or any date on or by which any other action
  is required to be taken by the Corporation or the holders of Series AC Preferred
  Shares hereunder, is not a business day (as hereinafter defined), then such
  dividend shall be payable, or such other action shall be required to be taken,
  on or by the next succeeding day that is a business day. A &#147;business day&#148;
  shall be a day other than a Saturday, a </font></P>
<P ALIGN="justify">&nbsp;</P>
<hr>
<p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;144&#150;</font></p>
<p>&nbsp;</p>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">Sunday or
  any other day that is treated as a holiday at the Corporation&#146;s principal
  office in Canada.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B>3.22</B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>Series
  AD Preferred Shares</B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The Series AD Preferred Shares shall, in addition to the rights, privileges,
  restrictions and conditions attaching to the First Preferred Shares as a class,<B>
  </B>carry and be subject to the following rights, privileges, restrictions and
  conditions:</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.22.1</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Dividend</I></B></FONT></P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.22.1.1</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Definitions</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;For the purposes hereof, the following capitalized terms shall have the
  following meanings, unless the context otherwise requires:</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Adjustment Factor&#148; for any Month means the percentage per annum,
  positive or negative, based on the Calculated Trading Price of the Series AD
  Preferred Shares for the preceding Month, determined in accordance with the
  following table:</FONT> </P>
<div align="justify">
  <table width="75%" border="0" align="center">
    <tr>
      <td width="60%"><div align="center"><font size="2" face="Arial, Helvetica, sans-serif"><u>If
          Calculated</u></font></div></td>
      <td width="40%"><div align="center"><font size="2" face="Arial, Helvetica, sans-serif"><u>The
          Adjustment Factor as a</u></font></div></td>
    </tr>
    <tr>
      <td width="60%"><div align="center"><font size="2" face="Arial, Helvetica, sans-serif"><u>Trading
          Price Is</u></font></div></td>
      <td width="40%"><div align="center"><font size="2" face="Arial, Helvetica, sans-serif"><u>Percentage
          of Prime Shall Be</u></font></div></td>
    </tr>
    <tr>
      <td width="60%">&nbsp;</td>
      <td width="40%">&nbsp;</td>
    </tr>
    <tr>
      <td width="60%"><font size="2" face="Arial, Helvetica, sans-serif">$25.50
        or more </font></td>
      <td width="40%"><div align="center"><font size="2" face="Arial, Helvetica, sans-serif">-4.00%</font></div></td>
    </tr>
    <tr>
      <td width="60%"><font size="2" face="Arial, Helvetica, sans-serif">$25.375
        and less than $25.50 </font></td>
      <td width="40%"><div align="center"><font size="2" face="Arial, Helvetica, sans-serif">-3.00%</font></div></td>
    </tr>
    <tr>
      <td width="60%"><font size="2" face="Arial, Helvetica, sans-serif">$25.25
        and less than $25.375 </font></td>
      <td width="40%"><div align="center"><font size="2" face="Arial, Helvetica, sans-serif">-2.00%</font></div></td>
    </tr>
    <tr>
      <td width="60%"><font size="2" face="Arial, Helvetica, sans-serif">$25.125
        and less than $25.25 </font></td>
      <td width="40%"><div align="center"><font size="2" face="Arial, Helvetica, sans-serif">-1.00%</font></div></td>
    </tr>
    <tr>
      <td width="60%"><font size="2" face="Arial, Helvetica, sans-serif">Greater
        than $24.875 and less than $25.125 </font></td>
      <td width="40%"><div align="center"><font size="2" face="Arial, Helvetica, sans-serif">Nil</font></div></td>
    </tr>
    <tr>
      <td width="60%"><font size="2" face="Arial, Helvetica, sans-serif">Greater
        than $24.75 to $24.875 </font></td>
      <td width="40%"><div align="center"><font size="2" face="Arial, Helvetica, sans-serif">1.00%</font></div></td>
    </tr>
    <tr>
      <td width="60%"><font size="2" face="Arial, Helvetica, sans-serif">Greater
        than $24.625 to $24.75</font></td>
      <td width="40%"><div align="center"><font size="2" face="Arial, Helvetica, sans-serif">
          2.00%</font></div></td>
    </tr>
    <tr>
      <td width="60%"><font size="2" face="Arial, Helvetica, sans-serif">Greater
        than $24.50 to $24.625 </font></td>
      <td width="40%"><div align="center"><font size="2" face="Arial, Helvetica, sans-serif">3.00%</font></div></td>
    </tr>
    <tr>
      <td><font size="2" face="Arial, Helvetica, sans-serif">$24.50 or less </font></td>
      <td><div align="center"><font size="2" face="Arial, Helvetica, sans-serif">4.00%
          </font> </div></td>
    </tr>
  </table>
  <p align="center"><FONT size="2" FACE="Arial, Helvetica, sans-serif">The maximum
    Adjustment Factor for any Month will be &plusmn;4.00%.</FONT> </p>
</div>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">If in any
  Month there is no trade on the Exchange of Series AD Preferred Shares of a board
  lot or more, the Adjustment Factor for the following Month shall be nil;</FONT>
</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Annual Floating Dividend Rate&#148; means for any Month the rate
  of interest expressed as a percentage per annum (rounded to the nearest one-thousandth
  (1/1000) of one percent (0.001%)) which is equal to Prime multiplied by the
  Designated Percentage for such Month;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &#147;Banks&#148; means any two of Bank of Montreal, The Bank of Nova Scotia,
  Canadian Imperial Bank of Commerce, National Bank of Canada, Royal Bank of Canada
  and The Toronto-Dominion Bank and any successor of any of them as may be designated
  from time to time by the Corporation by notice given to the transfer agent for
  the Series AD Preferred Shares, such notice to take effect on, and to be given
  at least two (2) business days prior to, the commencement of a particular Dividend
  Period and, until such notice is first given, means Royal Bank of Canada and
  The Toronto-Dominion Bank;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Calculated Trading Price&#148; for any Month means:</FONT> </P>
<div align="justify">
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">i)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="LEFT"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          the aggregate of the Daily Adjusted Trading Value for all Trading Days
          in such Month;</FONT> </P></TD>
    </TR>
  </TABLE>
  <p>&nbsp;</p>
  <hr>
  <p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;145&#150;</font></p>
  <p>&nbsp;</p>
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="4%">&nbsp;</TD>
      <TD ALIGN="LEFT"> <P ALIGN="LEFT"><font size="2" face="Arial, Helvetica, sans-serif">divided
          by </font><FONT size="2" FACE="Arial, Helvetica, sans-serif"> </FONT></P></TD>
    </TR>
  </TABLE>
  <br>
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(ii)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="LEFT"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          the aggregate of the Daily Trading Volume for all Trading Days in such
          Month;</FONT> </P></TD>
    </TR>
  </TABLE>
  <font size="2" face="Arial, Helvetica, sans-serif"> </font> </div>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Daily Accrued Dividend Deduction&#148; for any Trading Day means:</FONT>
</P>
<div align="justify">
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(i)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          the product obtained by multiplying the dividend on a Series AD Preferred
          Share applicable in respect of the Month in which the Trading Day falls
          by the number of days elapsed from but excluding the day prior to the
          Ex-Dividend Date immediately preceding such Trading Day to and including
          such Trading Day (or if such Trading Day is an Ex-Dividend Date, by
          one (1) day);</FONT> </P></TD>
    </TR>
  </TABLE>
  <br>
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="4%">&nbsp;</TD>
      <TD ALIGN="LEFT"> <P ALIGN="LEFT"><font size="2" face="Arial, Helvetica, sans-serif">divided
          by </font><FONT size="2" FACE="Arial, Helvetica, sans-serif"> </FONT></P></TD>
    </TR>
  </TABLE>
  <br>
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(ii)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="LEFT"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          the number of days from and including such Ex-Dividend Date to but excluding
          the following Ex-Dividend Date;</FONT> </P></TD>
    </TR>
  </TABLE>
  <font size="2" face="Arial, Helvetica, sans-serif"> </font> </div>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Daily Adjusted Trading Value&#148; for any Trading Day means:</FONT>
</P>
<div align="justify">
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(i)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          the aggregate dollar value of all transactions of Series AD Preferred
          Shares on the Exchange (made on the basis of the normal settlement period
          in effect on the Exchange) occurring during such Trading Day;</FONT>
        </P></TD>
    </TR>
  </TABLE>
  <br>
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="4%">&nbsp;</TD>
      <TD ALIGN="LEFT"> <P ALIGN="LEFT"><font size="2" face="Arial, Helvetica, sans-serif">less</font></P></TD>
    </TR>
  </TABLE>
</div>
<br>
<div align="justify">
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(ii)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="LEFT"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          the Daily Trading Volume for such Trading Day multiplied by the Daily
          Accrued Dividend Deduction for such Trading Day;</FONT> </P></TD>
    </TR>
  </TABLE>
</div>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(g)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &#147;Daily Trading Volume&#148; for any Trading Day means the aggregate number
  of Series AD Preferred Shares traded in all transactions (made on the basis
  of the normal settlement period in effect on the Exchange) occurring during
  such Trading Day on the Exchange;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(h)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Deemed Record Date&#148; means the last Trading Day of a Month with
  respect to which no dividend is declared by the Board of Directors;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Designated Percentage&#148; for the Month of March 2008 means 80
  percent (80%) and for each Month thereafter means the Adjustment Factor for
  such Month plus the Designated Percentage for the preceding Month, provided
  that the Annual Floating Dividend Rate for any Month shall in no event be less
  than 50% of Prime for such Month or be more than 100% of Prime for such Month;</FONT>
</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(j)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Dividend Payment Date&#148; means the twelfth day of each month
  commencing with the Month immediately following the date of issue of the Series
  AD Preferred Shares;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(k)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Dividend Period&#148; means a Month;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(l)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Electronic Delivery&#148; means the delivery by telecopier, electronic
  mail, the Internet or other electronic means;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(m)&nbsp;&nbsp;&nbsp;&nbsp;
  &#147;Exchange&#148; means the Toronto Stock Exchange or such other exchange
  or trading market in Canada as may be determined from time to time by the Corporation
  as being the principal trading market for the Series AD Preferred Shares;</FONT>
</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(n)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &#147;Ex-Dividend Date&#148; means:</FONT> </P>
<div align="justify">
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(i)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="LEFT"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          the Trading Day which, under the rules or normal practices of the Exchange,
          is designated or recognized as the Ex-Dividend Date relative to any
          dividend</FONT></P></TD>
    </TR>
  </TABLE>
  <p>&nbsp;</p>
  <hr>
  <p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;146&#150;</font></p>
  <p>&nbsp;</p>
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%">&nbsp;</TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="LEFT"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          record date for the Series AD Preferred Shares; or</FONT> </P></TD>
    </TR>
  </TABLE>
  <br>
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(ii)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="LEFT"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          if the Board of Directors fails to declare a dividend in respect of
          a Month, the Trading Day which, under the rules or normal practices
          of the Exchange, would be recognized as the Ex-Dividend Date relative
          to any Deemed Record Date for the Series AD Preferred Shares;</FONT>
        </P></TD>
    </TR>
  </TABLE>
</div>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(o)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Month&#148; means a calendar month;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(p)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Prime&#148; for a Month means the average (rounded to the nearest
  one-thousandth (1/1000) of one percent (0.001%)) of the Prime Rate in effect
  on each day of such Month;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(q)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Prime Rate&#148; for any day means the average (rounded to the nearest
  one-thousandth (1/1000) of one percent (0.001%)) of the annual rates of interest
  announced from time to time by the Banks as the reference rates then in effect
  for such day for determining interest rates on Canadian dollar commercial loans
  made to prime commercial borrowers in Canada. If one of the Banks does not have
  such an interest rate in effect on a day, the Prime Rate for such day shall
  be such interest rate in effect for that day of the other Bank; if both Banks
  do not have such an interest rate in effect on a day, the Prime Rate for that
  day shall be equal to one and a half percent (1.5%) per annum plus the average
  yield expressed as a percentage per annum on 91-day Government of Canada Treasury
  Bills, as reported by the Bank of Canada, for the weekly tender for the week
  immediately preceding that day; and if both of such Banks do not have such an
  interest rate in effect on a day and the Bank of Canada does not report such
  average yield per annum, the Prime Rate for that day shall be equal to the Prime
  Rate for the next preceding day. The Prime Rate and Prime shall be determined
  from time to time by an officer of the Corporation from quotations supplied
  by the Banks or otherwise publicly available. Such determination shall, in the
  absence of manifest error, be final and binding upon the Corporation and upon
  all holders of Series AD Preferred Shares;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(r)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;Trading Day&#148; means a day on which the Exchange is open for
  trading or, in any other case, a business day.</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.22.1.2</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>General</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The holders of the Series AD Preferred Shares shall be entitled to receive
  cumulative, preferred cash dividends, as and when declared by the Board of Directors,
  out of moneys of the Corporation properly applicable to the payment of dividends
  at the rates and times herein provided. Dividends on the Series AD Preferred
  Shares shall accrue on a daily basis from and including the date of issue thereof
  and shall be payable monthly. Payment of the dividend on the Series AD Preferred
  Shares payable on any Dividend Payment Date (less any tax required to be deducted)
  shall be made by cheque at par in lawful money of Canada at any branch in Canada
  of the Corporation&#146;s bankers.</font> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The dividends in respect of the Series AD Preferred Shares shall be payable
  monthly at the Annual Floating Dividend Rate as calculated from time to time.
  Accordingly, on each Dividend Payment Date, the dividend payable on the Series
  AD Preferred Shares shall be that amount (rounded to the nearest one-thousandth
  (1/1000) of one cent) obtained by multiplying $25.00 by the Annual Floating
  Dividend Rate applicable to the Month preceding such Dividend Payment Date and
  by dividing the product by twelve. The record date for the purpose of determining
  holders of Series AD Preferred Shares entitled to receive dividends on each
  Dividend Payment Date shall be the last Trading Day of the next preceding Month.
  In the event of the redemption or purchase of the Series AD Preferred Shares
  or the distribution of the assets of the Corporation as contemplated by section
  3.22.2 hereof, the amount of the dividend which has accrued during the Month
  in which such redemption, purchase or distribution occurs shall be the amount
  (rounded to the nearest one-thousandth (1/1000) of one cent) calculated by multiplying:</font>
</P>
<div align="justify">
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(i)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="LEFT"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          the amount obtained by multiplying $25.00 by one-twelfth (1/12) of the
          Annual Floating Dividend Rate applicable to the preceding Month; by</FONT>
        </P></TD>
    </TR>
  </TABLE>
  <p>&nbsp;</p>
  <hr>
  <p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;147&#150;</font></p>
  <p>&nbsp;</p>
  <TABLE WIDTH="100%" CELLPADDING="0" CELLSPACING="0">
    <TR VALIGN="TOP">
      <TD ALIGN="RIGHT" WIDTH="6%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(ii)</FONT></TD>
      <TD ALIGN="LEFT" WIDTH="3%">&nbsp;</TD>
      <TD WIDTH="91%"><P ALIGN="LEFT"><FONT size="2" FACE="Arial, Helvetica, sans-serif">
          a fraction of which the numerator is the number of days elapsed in the
          Month in which such redemption, purchase or distribution occurs up to
          but not including the date of such event and the denominator of which
          is the number of days in that Month.</FONT> </P></TD>
    </TR>
  </TABLE>
</div>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;Dividends declared on the Series AD Preferred Shares shall (except in
  case of redemption in which case payment of dividends shall be made on surrender
  of the certificate representing the Series AD Preferred Shares to be redeemed)
  be paid by posting in a postage paid envelope addressed to each holder of the
  Series AD Preferred Shares at the last address of such holder as it appears
  on the securities register of the Corporation or, in the event of the address
  of any holder not so appearing, then to the address of such holder last known
  to the Corporation, or, in the case of joint holders, to the address of that
  one whose name appears first in the securities register of the Corporation as
  one of such joint holders, a cheque for such dividends (less any tax required
  to be deducted) payable to the order of such holder or, in the case of joint
  holders, to the order of all such holders failing written instructions from
  them to the contrary. Notwithstanding the foregoing, any dividend cheque may
  be delivered by the Corporation to a holder of Series AD Preferred Shares at
  his address as aforesaid. The posting or delivery of such cheque shall be deemed
  to be payment and shall satisfy and discharge all liabilities for the payment
  of such dividends to the extent of the sum represented thereby (plus the amount
  of any tax required to be deducted as aforesaid) unless such cheque is not paid
  on due presentation.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.22.1.3</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Calculation
  of Designated Percentage</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The Corporation shall as promptly as practicable calculate the Designated
  Percentage for each Month and give notice thereof to all stock exchanges in
  Canada on which the Series AD Preferred Shares are listed for trading or if
  the Series AD Preferred Shares are not listed on a stock exchange in Canada
  to the Investment Dealers Association of Canada.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.22.2</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Rights
  on Liquidation</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;In the event of the liquidation, dissolution or winding up of the Corporation
  or any other distribution of assets of the Corporation for the purpose of winding
  up its affairs, the holders of the Series AD Preferred Shares shall be entitled
  to receive $25.00 per Series AD Preferred Share together with all dividends
  accrued and unpaid up to but excluding the date of payment or distribution,
  before any amounts shall be paid or any assets of the Corporation distributed
  to the holders of the Common Shares of the Corporation or any other shares ranking
  junior to the Series AD Preferred Shares. Upon payment of such amounts, the
  holders of the Series AD Preferred Shares shall not be entitled to share in
  any further distribution of the property or assets of the Corporation.</font>
</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.22.3</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Redemption
  at the Option of the Corporation</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;Subject to applicable law and section 3.22.5 hereof, upon giving notice
  as hereinafter provided, the Corporation may redeem at any time all, but not
  less than all, the outstanding Series AD Preferred Shares on payment of $25.50
  for each such share to be redeemed together with accrued and unpaid dividends
  up to but excluding the date fixed for redemption, the whole constituting the
  redemption price.</font> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The Corporation shall give notice in writing not less than 45 days nor
  more than 60 days prior to the date on which the redemption is to take place
  to each person who at the date of giving such notice is the holder of Series
  AD Preferred Shares to be redeemed of the intention of the Corporation to redeem
  such shares; such notice shall be given, at the option of the Corporation, by
  courier or by posting the same in a postage paid envelope, in either case, addressed
  to each holder of Series AD Preferred Shares to be redeemed at the last address
  of such holder as it appears on the securities register of the Corporation </font></P>
<P ALIGN="justify">&nbsp;</P>
<hr>
<p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;148&#150;</font></p>
<p>&nbsp;</p>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">or, in the
  event of the address of any holder not so appearing, then to the address of
  such holder last known to the Corporation, or by Electronic Delivery addressed
  to each holder of Series AD Preferred Shares requesting Electronic Delivery
  at the last electronic address as provided by the holder to the Corporation,
  provided that the accidental failure or omission to give any such notices as
  aforesaid to one or more of such holders shall not affect the validity of the
  redemption as to the other holders of the Series AD Preferred Shares to be redeemed.
  Such notice shall set out the number of such Series AD Preferred Shares held
  by the person to whom it is addressed which are to be redeemed and the redemption
  price and shall also set out the date on which the redemption is to take place,
  and on and after the date so specified for redemption the Corporation shall
  pay or cause to be paid to the holders of such Series AD Preferred Shares to
  be redeemed the redemption price on presentation and surrender at any place
  within Canada designated by such notice, of the certificate or certificates
  for such Series AD Preferred Shares so called for redemption; such payment shall
  be made by cheque payable at par at any branch in Canada of the Corporation&#146;s
  bankers; from and after the date specified in any such notice, the Series AD
  Preferred Shares called for redemption shall cease to be entitled to dividends
  and the holders thereof shall not be entitled to exercise any of the rights
  of shareholders in respect thereof unless payment of the redemption price shall
  not be duly made by the Corporation; at any time after notice of redemption
  is given as aforesaid, the Corporation shall have the right to deposit the redemption
  price of any or all Series AD Preferred Shares called for redemption with any
  chartered bank or banks or with any trust company or trust companies in Canada
  named in the notice of redemption to the credit of a special account or accounts
  in trust for the respective holders of such shares, to be paid to them respectively
  upon surrender to such bank or banks or trust company or trust companies of
  the certificate or certificates representing the same, and upon such deposit
  or deposits being made, such shares shall be redeemed on the redemption date
  specified in the notice of redemption; after the Corporation has made a deposit
  as aforesaid with respect to any shares, the holders thereof shall not, from
  and after the redemption date, be entitled to exercise any of the rights of
  shareholders in respect thereof and the rights of the holders thereof shall
  be limited to receiving the proportion of the amounts so deposited applicable
  to such shares, without interest; any interest allowed on such deposit shall
  belong to the Corporation.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.22.4</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Conversion
  of Series AD Preferred Shares</I></B></FONT></P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.22.4.1</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Conversion
  at the Option of the Holder</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;Holders of Series AD Preferred Shares shall have the right, at their option,
  on March&nbsp;1, 2013 and on March&nbsp;1 in every fifth year thereafter (a
  &#147;Conversion Date&#148;), to convert, subject to the terms and provisions
  hereof, all or any Series AD Preferred Shares registered in their name into
  Series AC Preferred Shares of the Corporation on the basis of one (1) Series
  AC Preferred Share for each Series AD Preferred Share. The Corporation shall
  give notice in writing to the then holders of the Series AD Preferred Shares
  of the conversion right provided for herein; such notice shall be given, at
  the option of the Corporation, by courier or by posting the same in a postage
  paid envelope, in either case, addressed to each holder of the Series AD Preferred
  Shares at the last address of such holder as it appears on the securities register
  of the Corporation or, in the event of the address of any holder not so appearing,
  then to the address of such holder last known to the Corporation, or by Electronic
  Delivery addressed to each holder of Series AD Preferred Shares requesting Electronic
  Delivery at the last electronic address as provided by the holder to the Corporation.
  Such notice shall set out the Conversion Date and shall be given not less than
  45 days nor more than 60 days prior to the applicable Conversion Date.</font>
</P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;If the Corporation gives notice as provided in section 3.22.3 to the holders
  of the Series AD Preferred Shares of the redemption of all the Series AD Preferred
  Shares, the Corporation shall not be required to give notice as provided in
  this section 3.22.4.1 to the holders of the Series AD Preferred Shares of the
  conversion right and the right of any holder of Series AD Preferred Shares to
  convert such Series AD Preferred Shares as herein provided shall cease and terminate
  in that event.</font> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;Holders of Series AD Preferred Shares shall not be entitled to convert
  their shares into Series AC Preferred Shares if, following the close of business
  on the 10th day preceding a Conversion </font></P>
<P ALIGN="justify">&nbsp;</P>
<hr>
<p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;149&#150;</font></p>
<p>&nbsp;</p>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">Date, the
  Corporation determines that there would remain outstanding on the Conversion
  Date less than 2,500,000 Series AC Preferred Shares after taking into account
  all Series AD Preferred Shares tendered for conversion into Series AC Preferred
  Shares and all Series AC Preferred Shares tendered for conversion into Series
  AD Preferred Shares. The Corporation shall give notice in writing thereof, in
  accordance with the provisions of the first paragraph of this section 3.22.4.1,
  to all affected holders of Series AD Preferred Shares prior to the applicable
  Conversion Date and will issue and deliver, or cause to be delivered, prior
  to such Conversion Date, at the expense of the Corporation, to such holders
  of Series AD Preferred Shares, who have surrendered for conversion any certificate
  or certificates representing Series AD Preferred Shares, new certificates representing
  the Series AD Preferred Shares represented by any certificate or certificates
  surrendered as aforesaid.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.22.4.2</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Automatic
  Conversion</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;If following the close of business on the 10th day preceding a Conversion
  Date the Corporation determines that there would remain outstanding on the Conversion
  Date less than 2,500,000 Series AD Preferred Shares after taking into account
  all Series AD Preferred Shares tendered for conversion into Series AC Preferred
  Shares and all Series AC Preferred Shares tendered for conversion into Series
  AD Preferred Shares, then, all, but not part, of the remaining outstanding Series
  AD Preferred Shares shall automatically be converted into Series AC Preferred
  Shares on the basis of one (1) Series AC Preferred Share for each Series AD
  Preferred Share on the applicable Conversion Date and the Corporation shall
  give notice in writing thereof, in accordance with the provisions of section
  3.22.4.1, to the holders of such remaining Series AD Preferred Shares prior
  to the Conversion Date.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.22.4.3</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Manner
  of Exercise of Conversion Privilege</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The conversion of Series AD Preferred Shares may be effected by surrender
  of the certificate or certificates representing the same not earlier than 45
  days prior to a Conversion Date but not later than the close of business on
  the 10th day preceding a Conversion Date during usual business hours at any
  office of any transfer agent of the Corporation at which the Series AD Preferred
  Shares are transferable accompanied by: (i) payment or evidence of payment of
  the tax (if any) payable as provided in this section 3.22.4.3; and (ii) a written
  instrument of surrender in form satisfactory to the Corporation duly executed
  by the holder, or his attorney duly authorized in writing, in which instrument
  such holder may also elect to convert part only of the Series AD Preferred Shares
  represented by such certificate or certificates not theretofore called for redemption
  in which event the Corporation shall issue and deliver or cause to be delivered
  to such holder, at the expense of the Corporation, a new certificate representing
  the Series AD Preferred Shares represented by such certificate or certificates
  which have not been converted.</font> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;In the event the Corporation is required to convert all remaining outstanding
  Series AD Preferred Shares into Series AC Preferred Shares on the applicable
  Conversion Date as provided for in section 3.22.4.2, the Series AD Preferred
  Shares in respect of which the holders have not previously elected to convert,
  shall be converted on the Conversion Date into Series AC Preferred Shares and
  the holders thereof shall be deemed to be holders of Series AC Preferred Shares
  at the close of business on the Conversion Date and shall be entitled, upon
  surrender during usual business hours at any office of any transfer agent of
  the Corporation at which the Series AD Preferred Shares were transferable of
  the certificate or certificates representing Series AD Preferred Shares not
  previously surrendered for conversion, to receive a certificate or certificates
  representing the same number of Series AC Preferred Shares in the manner and
  subject to the terms and provisions as provided in this section 3.22.4.3.</font>
</P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;As promptly as practicable after the Conversion Date, the Corporation
  shall issue and deliver, or cause to be delivered to or upon the written order
  of the holder of the Series AD Preferred Shares so surrendered, a certificate
  or certificates, issued in the name of, or in such name or names as may be directed
  by, such holder representing the number of fully-paid and non-assessable Series
  AC Preferred Shares and the number of remaining Series AD Preferred Shares,
  if any, to which such holder is entitled. Such conversion shall be deemed to
  have been made at the close of business on the Conversion Date, so </font></P>
<P ALIGN="justify">&nbsp;</P>
<hr>
<p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;150&#150;</font></p>
<p>&nbsp;</p>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">that the
  rights of the holder of such Series AD Preferred Shares as the holder thereof
  shall cease at such time and the person or persons entitled to receive Series
  AC Preferred Shares upon such conversion shall be treated for all purposes as
  having become the holder or holders of record of such Series AC Preferred Shares
  at such time.</font> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The holder of any Series AD Preferred Share on the record date for any
  dividend declared payable on such share shall be entitled to such dividend notwithstanding
  that such share is converted into a Series AC Preferred Share after such record
  date and on or before the date of the payment of such dividend.</font> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The issuance of certificates for the Series AC Preferred Shares upon the
  conversion of Series AD Preferred Shares shall be made without charge to the
  converting holders of Series AD Preferred Shares for any fee or tax in respect
  of the issuance of such certificates or the Series AC Preferred Shares represented
  thereby; provided, however, that the Corporation shall not be required to pay
  any tax which may be imposed upon the person or persons to whom such Series
  AC Preferred Shares are issued in respect of the issuance of such Series AC
  Preferred Shares or the certificate therefor or which may be payable in respect
  of any transfer involved in the issuance and delivery of any such certificate
  in a name or names other than that of the holder of the Series AD Preferred
  Shares converted, and the Corporation shall not be required to issue or deliver
  such certificate unless the person or persons requesting the issuance thereof
  shall have paid to the Corporation the amount of such tax or shall have established
  to the satisfaction of the Corporation that such tax has been paid.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.22.4.4</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Status
  of Converted Series AD Preferred Shares</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;All Series AD Preferred Shares converted into Series AC Preferred Shares
  on a Conversion Date shall not be cancelled but shall be restored to the status
  of authorized but unissued shares of the Corporation as at the close of business
  on the Conversion Date.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.22.5</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Restrictions
  on Dividends and Retirement of Shares</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;Without the approval of the holders of outstanding Series AD Preferred
  Shares:</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;the Corporation shall not declare, pay or set apart for payment any dividends
  (other than stock dividends payable in shares of the Corporation ranking junior
  to the Series AD Preferred Shares) on the Common Shares of the Corporation or
  any other shares of the Corporation ranking junior to the Series AD Preferred
  Shares;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;the Corporation shall not redeem, purchase or otherwise retire or make
  any capital distribution on or in respect of the Common Shares of the Corporation
  or any other shares of the Corporation ranking junior to the Series AD Preferred
  Shares (except out of the net cash proceeds of a substantially concurrent issue
  of shares of the Corporation ranking junior to the Series AD Preferred Shares);</FONT>
</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;the Corporation shall not purchase or otherwise retire less than all of
  the Series AD Preferred Shares then outstanding; or</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;the Corporation shall not redeem, purchase or otherwise retire (except
  in connection with the exercise of any retraction privilege or any mandatory
  redemption obligation attaching thereto) any shares of any class or series ranking
  on a parity with the Series AD Preferred Shares provided that, for greater certainty,
  the covenant in this clause (d) shall not limit or affect any such action in
  respect of any class of shares ranking in priority to the Series AD Preferred
  Shares;</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">unless,
  in each such case, all cumulative dividends on outstanding Series AD Preferred
  Shares accrued up to and including the dividend payable for the last completed
  period for which dividends were payable shall have been declared and paid.</FONT>
</P>
<p>&nbsp;</p>
<hr>
<p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;151&#150;</font></p>
<P ALIGN="justify">&nbsp;</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;Any approval of the holders of the Series AD Preferred Shares required
  to be given pursuant to this section 3.22.5 may be given in accordance with
  the second paragraph of section 3.22.7 and section 3.22.10. Notwithstanding
  the provisions of section 3.22.10 hereof, any approval required to be given
  pursuant to this section 3.22.5 shall be required to be given only by the affirmative
  vote of the holders of the majority of the Series AD Preferred Shares present
  or represented at a meeting or adjourned meeting, of the holders of Series AD
  Preferred Shares duly called for the purpose and at which a quorum is present.</FONT>
</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.22.6</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Purchase
  for Cancellation</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The Corporation may at any time purchase for cancellation the whole or
  any part of the Series AD Preferred Shares outstanding from time to time, in
  the open market through or from an investment dealer or any firm holding membership
  on a recognized stock exchange, or by private agreement or otherwise, at the
  lowest price or prices at which in the opinion of the Board of Directors such
  shares are obtainable.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.22.7</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Voting
  Rights</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The holders of Series AD Preferred Shares will not be entitled (except
  as otherwise provided by law) to receive notice of, attend, or vote at, any
  meeting of the shareholders of the Corporation unless the Corporation shall
  have failed to pay eight (8) dividends on the Series AD Preferred Shares, whether
  or not consecutive. In that event, and for only so long as any such dividends
  remain in arrears, the holders of Series AD Preferred Shares will be entitled
  to receive notice of and to attend all shareholders&#146; meetings which take
  place more than sixty (60) days after the date on which the failure first occurred,
  and to one (1) vote for each Series AD Preferred Share held, except meetings
  at which only holders of another specified class or series of shares are entitled
  to vote.</font> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;In connection with any actions to be taken by the Corporation which require
  the approval of the holders of the Series AD Preferred Shares voting as a series
  or as part of a class, each Series AD Preferred Share shall entitle the holder
  thereof to one (1) vote for such purpose.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.22.8</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Issue
  of Additional Preferred Shares</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The Corporation may issue additional series of First Preferred Shares
  ranking on a parity with the Series AD Preferred Shares without the authorization
  of the holders of the Series AD Preferred Shares.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.22.9</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Modifications</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The provisions attaching to the Series AD Preferred Shares as a series
  may be repealed, altered, modified or amended from time to time with such approval
  as may then be required by the <I>Canada Business Corporations Act</I>, any
  such approval to be given in accordance with section 3.22.10.</font> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;None of the series provisions of the articles of the Corporation relating
  to the Series AD Preferred Shares shall be amended or otherwise changed unless,
  contemporaneously therewith, the series provisions, if any, relating to the
  Series AC Preferred Shares are, to the extent deemed required by the Corporation,
  amended or otherwise changed in the same proportion and in the same manner.</font>
</P>
<P ALIGN="justify">&nbsp;</P>
<hr>
<p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;152&#150;</font></p>
<P ALIGN="justify">&nbsp;</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.22.10</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Approval
  of Holders of Series AD Preferred Shares</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;Any approval given by the holders of the Series AD Preferred Shares shall
  be deemed to have been sufficiently given if it shall have been given by the
  holders of Series AD Preferred Shares as provided in the provisions attaching
  to the First Preferred Shares as a class, which provisions shall apply <I>mutatis
  mutandis</I>.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.22.11</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Tax
  Election</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The Corporation shall elect, in the manner and within the time provided
  under the <I>Income Tax Act </I>(Canada), under subsection 191.2(1)<B> </B>of
  the said Act, or any successor or replacement provision of similar effect, and
  take all other necessary action under such Act, to pay tax at a rate such that
  no holder of the Series AD Preferred Shares will be required to pay tax on dividends
  received on the Series AD Preferred Shares under section 187.2 of Part IV.1
  of such Act or any successor or replacement provision of similar effect.</font>
</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.22.12</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Mail
  Service Interruption</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;If the Corporation determines that mail service is, or is threatened to
  be, interrupted at the time when the Corporation is required or elects to give
  any notice hereunder by mail, or is required to send any cheque or any share
  certificate to the holder of any Series AD Preferred Shares, whether in connection
  with the redemption or conversion of such share or otherwise, the Corporation
  may, notwithstanding the provisions hereof:</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;give such notice by Electronic Delivery, telex or telegraph communication
  or by means of publication once in each of two successive weeks in a newspaper
  of general circulation published or distributed in Montr&eacute;al and Toronto
  and such notice shall be deemed to have been given on the date on which such
  Electronic Delivery, telex or telegraph communication was given or on the date
  on which the first publication has taken place; and</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;fulfill the requirement to send such cheque or such share certificate
  by arranging for delivery thereof to the principal office of the Corporation
  in Montr&eacute;al, and such cheque and/or certificate shall be deemed to have
  been sent on the date on which notice of such arrangement shall have been given
  as provided in (a) above, provided that as soon as the Corporation determines
  that mail service is no longer interrupted or threatened to be interrupted such
  cheque or share certificate, if not theretofore delivered to such holder, shall
  be sent by ordinary unregistered first class prepaid mail to the registered
  address of each person who at the date of mailing is a registered holder and
  who is entitled to receive such cheque or share certificate, or in the event
  of the address of any such holder not appearing on the securities register of
  the Corporation, then at the last address of such holder known to the Corporation.</FONT>
</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.22.13</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Notice
  of Subsequent Fixed Dividend Rate Applicable to the Series AC Preferred Shares</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;Within three (3) business days of the determination of the Subsequent
  Fixed Dividend Rate (as defined in section 3.21.1.1 of the articles of the Corporation
  relating to the Series AC Preferred Shares) the Corporation shall give notice
  thereof, except in relation to the initial Subsequent Fixed Rate Period, to
  the holders of the Series AD Preferred Shares by publication once in the national
  edition of The Globe and Mail in the English language and once in the City of
  Montr&eacute;al in both the French and English languages in a daily newspaper
  of general circulation in Montr&eacute;al; provided that if any such newspaper
  is not being generally circulated at that time, such notice shall be published
  in another equivalent publication.</font> </P>
<P ALIGN="justify">&nbsp;</P>
<hr align="JUSTIFY">
<p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;153&#150;</font></p>
<P ALIGN="justify">&nbsp;</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.22.14</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B><B><I>Definitions</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  In the provisions herein contained attaching to the Series AD Preferred Shares:</font>
</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif"></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif"></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif">&#147;accrued
  and unpaid dividends&#148; means the aggregate of: (i) all unpaid dividends
  on the Series AD Preferred Shares for any Dividend Period; and (ii) the amount
  calculated as though dividends on each Series AD Preferred Share had been accruing
  on a day-to-day basis from and including the first day of the Month immediately
  following the Dividend Period with respect to which the last monthly dividend
  will be or was, as the case may be, payable to but excluding the date to which
  the computation of accrued dividends is to be made; and</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif"></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif"></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif">&#147;in
  priority to&#148;, &#147;on a parity with&#148; and &#147;junior to&#148; have
  reference to the order of priority in payment of dividends and in the distribution
  of assets in the event of any liquidation, dissolution or winding up of the
  Corporation, whether voluntary or involuntary, or other distribution of the
  assets of the Corporation among its shareholders for the purpose of winding
  up its affairs.</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.22.15</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B><B><I>Interpretation</I></B></FONT>
</P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  In the event that any date on which any dividend on the Series AD Preferred
  Shares is payable by the Corporation, or any date on or by which any other action
  is required to be taken by the Corporation or the holders of Series AD Preferred
  Shares hereunder, is not a business day (as hereinafter defined), then such
  dividend shall be payable, or such other action shall be required to be taken,
  on or by the next succeeding day that is a business day. A &#147;business day&#148;
  shall be a day other than a Saturday, a Sunday or any other day that is treated
  as a holiday at the Corporation&#146;s principal office in Canada.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>3.22.16</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B><B><I>Issue
  of Series AD Preferred Shares</I></B></FONT> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  The Corporation may not issue any Series AD Preferred Shares prior to March&nbsp;1,
  2008.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B>4.</B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B><B>SECOND
  PREFERRED SHARES</B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
  Second Preferred Shares shall have attached thereto, as a class, the following
  rights, privileges, restrictions and conditions:</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B>4.1</B></FONT><FONT FACE="Arial, Helvetica, sans-serif"><FONT size="2" FACE="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</FONT></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif">The Directors
  of the Corporation may at any time and from time to time issue one or more series
  of Second Preferred Shares, each series thereof to consist of such number of
  shares and to be of such price as may before the issue be determined by resolution
  of the Directors.</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B>4.2</B></FONT><FONT FACE="Arial, Helvetica, sans-serif"><FONT size="2" FACE="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</FONT></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif">The Directors
  may by resolution fix from time to time the designation, rights, privileges,
  restrictions and conditions attaching to the Second Preferred Shares of each
  series, including, without limiting the generality of the foregoing, the right
  of preferential dividends, the dates of payment thereof, the redemption or purchase
  prices, if any, and terms and conditions of redemption or purchase, any voting
  rights, the rights of convertibility or exchange, if any, into other securities
  (including shares) of the Corporation or any other body corporate and any sinking
  fund or other provisions.</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B>4.3</B></FONT><FONT FACE="Arial, Helvetica, sans-serif"><FONT size="2" FACE="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</FONT></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif">The Second
  Preferred Shares of all series shall rank on a parity with each other and junior
  to the First Preferred Shares and in priority to all other shares of the Corporation
  with respect to payment of dividends and with respect to distribution of assets
  in the event of liquidation, dissolution or winding up of the Corporation, whether
  voluntary or involuntary, or any other distribution of assets for the purpose
  of winding up its affairs.</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><strong>4.4</strong></FONT><FONT FACE="Arial, Helvetica, sans-serif"><FONT size="2" FACE="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</FONT></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif">Except
  as otherwise provided in section 4.5 hereof and in the provisions attaching
  to any Second Preferred Shares as a series, the holders of the Second Preferred
  Shares shall not be entitled to receive</FONT> </P>
<p>&nbsp;</p>
<hr>
<p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;154&#150;</font></p>
<P ALIGN="justify">&nbsp;</P>
<P ALIGN="justify"><FONT FACE="Arial, Helvetica, sans-serif"><FONT SIZE="2">any
  notice of or attend any meeting of shareholders of the Corporation and shall
  not be entitled to vote at any such meeting.</FONT></FONT> </P>
<P ALIGN="justify"><FONT FACE="Arial, Helvetica, sans-serif"><FONT SIZE="2"><B>4.5</B></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</FONT><FONT SIZE="2">The approval of the holders of the Second Preferred
  Shares with respect to any matters which may be required to be approved by them
  may be given in writing by all holders of Second Preferred Shares or by a resolution
  passed at a general meeting of the holders of the Second Preferred Shares duly
  called and held upon not less than 21 days&#146; notice at which the holders
  of at least a majority of the outstanding Second Preferred Shares are present
  or are represented by proxy and carried by the affirmative vote of not less
  than two-thirds of the votes cast at such meeting; if at any such meeting the
  holders of a majority of the outstanding Second Preferred Shares are not present
  or represented by proxy within one-half hour after the time appointed for such
  meeting then the meeting shall be adjourned to such date not less than 21 days
  thereafter and to such time and place as may be designated by the chairman,
  and not less than 15 days&#146; written notice shall be given of such adjourned
  meeting; at such adjourned meeting the holders of Second Preferred Shares present
  or represented by proxy may transact the business for which the meeting was
  originally called and a resolution passed thereat by the affirmative vote of
  not less than two-thirds of the votes cast at such meeting shall constitute
  the authorization of the holders of the Second Preferred Shares; on every poll
  taken at any such meeting or adjourned meeting, every holder of Second Preferred
  Shares shall be entitled to one vote in respect of each Second Preferred Share
  held; subject to the foregoing, the formalities to be observed in respect of
  the giving of notice of any such meeting or adjourned meeting and the conduct
  thereof shall be those from time to time prescribed in the by-laws of the Corporation
  with respect to meetings of shareholders.</FONT></FONT> </P>
<P ALIGN="justify"><FONT FACE="Arial, Helvetica, sans-serif"><FONT SIZE="2"><B>4.6</B></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</FONT><FONT SIZE="2"><B>Second Preferred Shares, Series One</B></FONT></FONT></P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">The Second
  Preferred Shares, Series One shall, in addition to the rights, privileges, restrictions
  and conditions attaching to the Second Preferred Shares as a class, carry and
  be subject to the following rights, privileges, restrictions and conditions:</FONT>
</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>4.6.1</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;<B><I>Dividend</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
  holders of the Second Preferred Shares, Series One shall be entitled to fixed,
  cumulative, preferred cash dividends, when and as declared by the Board of Directors,
  out of moneys properly applicable to the payment of dividends, in the amount
  of $9.00 per share per annum and no more, payable quarterly in respect of each
  12 month period on the last day of January, April, July and October by cheque
  at par in lawful money of Canada at any branch in Canada of the Corporation&#146;s
  bankers, except that the first quarterly payment so to be made on any Second
  Preferred Share, Series One shall be made on the last day of July 1983 and shall
  be the amount accrued and unpaid thereon at the said rate from the date of its
  issue.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>4.6.2</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;<B><I>Rights on Liquidation</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In
  the event of the liquidation, dissolution or winding up of the Corporation or
  any other distribution of assets of the Corporation for the purpose of winding
  up its affairs, the holders of the Second Preferred Shares, Series One shall
  be entitled to receive $100.00 per share together with all accrued and unpaid
  dividends to the date of distribution before any amounts shall be paid or any
  assets of the Corporation distributed to the holders of any shares ranking junior
  to the Second Preferred Shares, Series One. The holders of the Second Preferred
  Shares, Series One shall not be entitled to share in any further distribution
  of the property or assets of the Corporation.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>4.6.3</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;<B><I>Restrictions on Payment of Dividends and Capital Distributions</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
  Corporation shall not declare, pay or set apart any dividends on any shares
  of the Corporation ranking junior to the Second Preferred Shares, Series One
  nor shall the Corporation call for redemption less than all the Second Preferred
  Shares, Series One then outstanding or any shares of the Corporation ranking
  junior to the Second Preferred Shares, Series One unless all dividends up to
  and including the dividend payable for the last completed period for which such
  dividends shall be payable on all of the Second Preferred Shares, Series One
  then outstanding shall have been declared or paid or set apart for payment.</font>
</P>
<p>&nbsp;</p>
<hr>
<p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;155&#150;</font></p>
<p>&nbsp;</p>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>4.6.4</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B><B><I>Voting
  Rights</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The holders of the Second Preferred Shares, Series One shall be entitled
  to notice of and to attend and vote at all meetings of shareholders of the Corporation
  except meetings of the holders of another specified class or series and shall
  have one vote in respect of each Second Preferred Share, Series One held.</font>
</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>4.6.5</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B><B><I>Redemption</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The Corporation may at any time at its option redeem all the outstanding
  Second Preferred Shares, Series One or from time to time any part thereof, on
  payment for each such share to be redeemed of $100.00 together with accrued
  and unpaid dividends to the date fixed for redemption, the whole constituting
  the redemption price. In the case of partial redemptions, the Second Preferred
  Shares, Series One to be redeemed shall be selected by lot or in such other
  manner as the Corporation may determine.</font> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The Corporation shall give notice in writing to each person who at the
  date of giving such notice is the holder of Second Preferred Shares, Series
  One of the intention of the Corporation to redeem such shares. Such notice shall
  set out the number of such Second Preferred Shares, Series One held by the person
  to whom it is addressed which are to be redeemed and the redemption price and
  the date on which the redemption is to take place, and on and after the date
  so specified for redemption the Corporation shall pay or cause to be paid to
  the holders of such Second Preferred Shares, Series One to be redeemed the redemption
  price on presentation and surrender at the Registered Office of the Corporation
  or at any other place or places within Canada designated by such notice, of
  the certificate or certificates for such Second Preferred Shares, Series One
  so called for redemption; such payment shall be made by cheque payable at par
  at any branch in Canada of the Corporation&#146;s bankers; if a part only of
  such Second Preferred Shares, Series One represented by any certificate shall
  be redeemed, a new certificate for the balance shall be issued; from and after
  the date specified in any such notice, the Second Preferred Shares, Series One
  called for redemption shall cease to be entitled to dividends and the holders
  thereof shall not be entitled to exercise any of the rights of shareholders
  in respect thereof unless payment of the redemption price shall not be duly
  made by the Corporation; at any time after notice of redemption is given as
  aforesaid, the Corporation shall have the right to deposit the redemption price
  of any or all Second Preferred Shares, Series One called for redemption with
  any chartered bank or banks or with any trust company or trust companies in
  Canada named in the notice of redemption to the credit of a special account
  or accounts in trust for the respective holders of such shares, to be paid to
  them respectively upon surrender to such bank or banks or trust company or trust
  companies of the certificate or certificates representing the same, and upon
  such deposit or deposits being made, such shares shall be redeemed on the redemption
  date specified in the notice of redemption; after the Corporation has made a
  deposit as aforesaid with respect to any shares, the holders thereof shall not
  be entitled to exercise any of the rights of shareholders in respect thereof
  and the rights of the holders thereof shall be limited to receiving the proportion
  of the amounts so deposited applicable to such shares, without interest; any
  interest allowed on such deposit shall belong to the Corporation.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>4.6.6</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B><B><I>Issue
  of Additional Preferred Shares</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;So long as any of the Second Preferred Shares, Series One are outstanding,
  the Corporation shall not without, but may from time to time with, the authorization
  of the holders of Second Preferred Shares, Series One given as hereinafter specified,
  issue any additional Second Preferred Shares or create or issue any additional
  preferred shares ranking in priority to or on parity with the Second Preferred
  Shares, unless all dividends up to and including the dividend payable for the
  last completed period for which such dividends shall be payable on all the Second
  Preferred Shares, Series One shall have been declared and paid or set apart
  for payment.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>4.6.7</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I></I></B><B><I>Authorization
  of Holders of Second Preferred Shares, Series One</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;Any authorization given by the holders of Second Preferred Shares, Series
  One shall be deemed to have been sufficiently given if it shall have been given
  by all holders of Second Preferred Shares, Series One in writing or by a resolution
  passed at a general meeting of the holders of the Second Preferred Shares, Series
  One duly called and held upon not less than 21 days&#146; notice at which the
  holders of at least a majority of the outstanding Second Preferred Shares, Series
  One are present or are represented by proxy and carried by the affirmative vote
  of not less than two-thirds of the votes cast at such meeting; if at any such
  meeting the holders of a majority of the outstanding Second Preferred Shares,
  Series One are not present or represented</font> </P>
<P ALIGN="justify">&nbsp;</P>
<hr align="JUSTIFY">
<p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;156&#150;</font></p>
<P ALIGN="justify">&nbsp;</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">by proxy
  within one-half hour after the time appointed for such meeting then the meeting
  shall be adjourned to such date not less than 21 days thereafter and to such
  time and place as may be designated by the chairman, and not less than 15 days&#146;
  written notice shall be given of such adjourned meeting; at such adjourned meeting
  the holders of Second Preferred Shares, Series One present or represented by
  proxy may transact the business for which the meeting was originally called
  and a resolution passed thereat by the affirmative vote of not less than two-thirds
  of the votes cast at such meeting shall constitute the authorization of the
  holders of the Second Preferred Shares, Series One; on every poll taken at any
  such meeting or adjourned meeting every holder of the Second Preferred Shares,
  Series One shall be entitled to one vote in respect of each Second Preferred
  Share, Series One held; subject to the foregoing, the formalities to be observed
  in respect of the giving of notice of any such meeting or adjourned meeting
  and the conduct thereof shall be those from time to time prescribed in the by-laws
  of the Corporation with respect to meetings of shareholders.</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>4.6.8</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Definitions</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;In the provisions herein contained attaching to the Second Preferred Shares,
  Series One:</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif"></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif"></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif">&#147;accrued
  and unpaid dividends&#148; means an amount computed on the basis of an aggregate
  sum of $9.00 per share per annum as though dividends on each such share had
  been accruing on a day to day basis from the date of issue of such share to
  the date to which the computation of accrued dividends is to be made after deducting
  all dividend payments made on such share; and</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;</FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif"></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif"></FONT><FONT size="2" FACE="Arial, Helvetica, sans-serif">&#147;in
  priority to&#148; and &#147;on a parity with&#148; have reference to the order
  of priority in payment of dividends and in the distribution of assets in the
  event of any liquidation, dissolution or winding up of the Corporation, whether
  voluntary or involuntary, or other distribution of the assets of the Corporation
  among its shareholders for the purpose of winding up its affairs.</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B>4.7</B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>Second
  Preferred Shares, Series Two</B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The Second Preferred Shares, Series Two shall, in addition to the rights,
  privileges, restrictions and conditions attaching to the Second Preferred Shares
  as a class, carry and be subject to the following rights, privileges, restrictions
  and conditions:</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>4.7.1</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Dividend</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The holders of the Second Preferred Shares, Series Two shall be entitled
  to fixed, cumulative, preferred cash dividends, when and as declared by the
  Board of Directors, out of moneys properly applicable to the payment of dividends,
  in the amount of $9.00 per share per annum and no more, payable quarterly in
  respect of each 12 month period on the last day of January, April, July and
  October by cheque at par in lawful money of Canada at any branch in Canada of
  the Corporation&#146;s bankers, except that the first quarterly payment so to
  be made on any Second Preferred Share, Series Two shall be made on the last
  day of July 1983 and shall be the amount accrued and unpaid thereon at the said
  rate from the date of its issue.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>4.7.2</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Rights
  on Liquidation</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;In the event of the liquidation, dissolution or winding up of the Corporation
  or any other distribution of assets of the Corporation for the purpose of winding
  up its affairs, the holders of the Second Preferred Shares, Series Two shall
  be entitled to receive $100.00 per share together with all accrued and unpaid
  dividends to the date of distribution before any amounts shall be paid or any
  assets of the Corporation distributed to the holders of any shares ranking junior
  to the Second Preferred Shares, Series Two. The holders of the Second Preferred
  Shares, Series Two shall not be entitled to share in any further distribution
  of the property or assets of the Corporation.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>4.7.3</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Restrictions
  on Payment of Dividends and Capital Distributions</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The Corporation shall not declare, pay or set apart any dividends on any
  shares of the Corporation ranking junior to the Second Preferred Shares, Series
  Two nor shall the Corporation call for redemption less than all the Second Preferred
  Shares, Series Two then outstanding or any shares of the Corporation ranking
  junior to the Second Preferred Shares, Series Two unless all dividends up to
  and including</font> </P>
<p>&nbsp;</p>
<hr>
<p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;157&#150;</font></p>
<P ALIGN="justify">&nbsp;</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">the dividend
  payable for the last completed period for which such dividends shall be payable
  on all of the Second Preferred Shares, Series Two then outstanding shall have
  been declared or paid or set apart for payment.</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>4.7.4</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Voting
  Rights</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The holders of the Second Preferred Shares, Series Two shall be entitled
  to notice of and to attend and vote at all meetings of shareholders of the Corporation
  except meetings of the holders of another specified class or series and shall
  have one vote in respect of each Second Preferred Share, Series Two held.</font>
</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>4.7.5</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Redemption</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The Corporation may at any time at its option redeem all the outstanding
  Second Preferred Shares, Series Two on payment for each such share to be redeemed
  of $100.00 together with accrued and unpaid dividends to the date fixed for
  redemption, the whole constituting the redemption price.</font> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The Corporation shall give notice in writing to each person who at the
  date of giving such notice is the holder of Second Preferred Shares, Series
  Two of the intention of the Corporation to redeem such shares. Such notice shall
  set out the redemption price and the date on which the redemption is to take
  place, and on and after the date so specified for redemption the Corporation
  shall pay or cause to be paid to the holders of such Second Preferred Shares,
  Series Two the redemption price on presentation and surrender at the Registered
  Office of the Corporation or at any other place or places within Canada designated
  by such notice, of the certificate or certificates for such Second Preferred
  Shares, Series Two so called for redemption; such payment shall be made by cheque
  payable at par at any branch in Canada of the Corporation&#146;s bankers; from
  and after the date specified in any such notice, the Second Preferred Shares
  shall cease to be entitled to dividends and the holders thereof shall not be
  entitled to exercise any of the rights of shareholders in respect thereof unless
  payment of the redemption price shall not be duly made by the Corporation.</font>
</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>4.7.6</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Issue
  of Additional Preferred Shares</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;So long as any of the Second Preferred Shares, Series Two are outstanding,
  the Corporation shall not without, but may from time to time with, the authorization
  of the holders of Second Preferred Shares, Series Two given as hereinafter specified,
  issue any additional Second Preferred Shares or create or issue any additional
  preferred shares ranking in priority to or on parity with the Second Preferred
  Shares, unless all dividends up to and including the dividend payable for the
  last completed period for which such dividends shall be payable on all the Second
  Preferred Shares, Series Two shall have been declared and paid or set apart
  for payment.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>4.7.7</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Authorization
  of Holders of Second Preferred Shares, Series Two</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;Any authorization given by the holders of Second Preferred Shares, Series
  Two shall be deemed to have been sufficiently given if it shall have been given
  by all holders of Second Preferred Shares, Series Two in writing or by a resolution
  passed at a general meeting of the holders of the Second Preferred Shares, Series
  Two duly called and held upon not less than 21 days&#146; notice at which the
  holders of at least a majority of the outstanding Second Preferred Shares, Series
  Two are present or are represented by proxy and carried by the affirmative vote
  of not less than two-thirds of the votes cast at such meeting; if at any such
  meeting the holders of a majority of the outstanding Second Preferred Shares,
  Series Two are not present or represented by proxy within one-half hour after
  the time appointed for such meeting then the meeting shall be adjourned to such
  date not less than 21 days thereafter and to such time and place as may be designated
  by the chairman, and not less than 15 days&#146; written notice shall be given
  of such adjourned meeting; at such adjourned meeting the holders of Second Preferred
  Shares, Series Two present or represented by proxy may transact the business
  for which the meeting was originally called and a resolution passed thereat
  by the affirmative vote of not less than two-thirds of the votes cast at such
  meeting shall constitute the authorization of the holders of the Second Preferred
  Shares, Series Two; on every poll taken at any such meeting or adjourned meeting,
  every holder of the Second Preferred Shares, Series Two shall be entitled to
  one vote in respect of each Second Preferred Share, Series Two held; subject
  to the foregoing, the formalities to be observed in respect of the giving of
  notice of any such meeting or adjourned meeting and the conduct thereof shall
  be those from time to time prescribed in the by-laws of the Corporation with
  respect to meetings of shareholders.</font> </P>
<P ALIGN="justify">&nbsp;</P>
<hr>
<p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;158&#150;</font></p>
<P ALIGN="justify">&nbsp;</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>4.7.8</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Definitions</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  In the provisions herein contained attaching to the Second Preferred Shares,
  Series Two:</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;accrued and unpaid dividends&#148; means an amount computed on the
  basis of an aggregate sum of $9.00 per share per annum as though dividends on
  each such share had been accruing on a day to day basis from, but not including,
  the date of issue of such share to, but not including, the date to which the
  computation of accrued dividends is to be made after deducting all dividend
  payments made on such share; and</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;in priority to&#148; and &#147;on a parity with&#148; have reference
  to the order of priority in payment of dividends and in the distribution of
  assets in the event of any liquidation, dissolution or winding up of the Corporation,
  whether voluntary or involuntary, or other distribution of the assets of the
  Corporation among its shareholders for the purpose of winding up its affairs.</FONT>
</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B>4.8</B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>Second
  Preferred Shares, Series Three</B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The Second Preferred Shares, Series Three shall, in addition to the rights,
  privileges, restrictions and conditions attaching to the Second Preferred Shares
  as a class, carry and be subject to the following rights, privileges, restrictions
  and conditions:</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>4.8.1</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Dividend</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The holders of the Second Preferred Shares, Series Three shall be entitled
  to fixed, cumulative, preferred cash dividends, when and as declared by the
  Board of Directors, out of moneys properly applicable to the payment of dividends,
  in the amount of $9.00 per share per annum and no more, payable quarterly in
  respect of each 12 month period on the last day of January, April, July and
  October by cheque at par in lawful money of Canada at any branch in Canada of
  the Corporation&#146;s bankers, except that the first quarterly payment so to
  be made on any Second Preferred Share, Series Three shall be made on the last
  day of July 1983 and shall be the amount accrued and unpaid thereon at the said
  rate from the date of its issue. At any time when no Common Shares are outstanding,
  the holders of the Second Preferred Shares, Series Three shall in addition be
  entitled to receive any other dividends which the Directors may declare other
  than dividends stated to be with respect to another particular class or series
  of shares of the Corporation.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>4.8.2</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Rights
  on Liquidation</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;In the event of the 1iquidation, dissolution or winding up of the Corporation
  or any other distribution of assets of the Corporation for the purpose of winding
  up its affairs, the holders of the Second Preferred Shares, Series Three shall
  be entitled to receive $100.00 per share together with all accrued and unpaid
  dividends to the date of distribution before any amounts shall be paid or any
  assets of the Corporation distributed to the holders of any shares ranking junior
  to the Second Preferred Shares, Series Three. At any time when no Common Shares
  are outstanding, the holders of the Second Preferred Shares, Series Three shall
  in addition be entitled to receive the remaining property of the Corporation
  upon the liquidation, dissolution or winding up thereof.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>4.8.3</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Restrictions
  on Payment of Dividends and Capital Distributions</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The Corporation shall not declare, pay or set apart any dividends on any
  shares of the Corporation ranking junior to the Second Preferred Shares, Series
  Three nor shall the Corporation call for redemption less than all the Second
  Preferred Shares, Series Three then outstanding or any shares of the Corporation
  ranking junior to the Second Preferred Shares, Series Three unless all dividends
  up to and including the dividend payable for the last completed period for which
  such dividends shall be payable on all of the Second Preferred Shares, Series
  Three then outstanding shall have been declared or paid or set apart for payment.</font>
</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>4.8.4</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Voting
  Rights</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The holders of the Second Preferred Shares, Series Three shall be entitled
  to notice of and to attend and vote at all meetings of shareholders of the Corporation
  except meetings of the holders of another </font></P>
<hr>
<p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;159&#150;</font></p>
<P ALIGN="justify">&nbsp;</P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">specified
  class or series and shall have one vote in respect of each Second Preferred
  Share, Series Three held.</font> </P>
<p align="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>4.8.5</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Redemption</I></B></FONT></p>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The Corporation may at any time at its option redeem all the outstanding
  Second Preferred Shares, Series Three on payment for each such share to be redeemed
  of $100.00 together with accrued and unpaid dividends to the date fixed for
  redemption, the whole constituting the redemption price.</font> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The Corporation shall give notice in writing to each person who at the
  date of giving such notice is the holder of Second Preferred Shares, Series
  Three of the intention of the Corporation to redeem such shares. Such notice
  shall set out the redemption price and the date on which the redemption is to
  take place, and on and after the date so specified for redemption the Corporation
  shall pay or cause to be paid to the holders of such Second Preferred Shares,
  Series Three the redemption price on presentation and surrender at the Registered
  Office of the Corporation or at any other place or places within Canada designated
  by such notice, of the certificate or certificates for such Second Preferred
  Shares, Series Three so called for redemption; such payment shall be made by
  cheque payable at par at any branch in Canada of the Corporation&#146;s bankers;
  from and after the date specified in any such notice the Second Preferred Shares,
  Series Three shall cease to be entitled to dividends and the holders thereof
  shall not be entitled to exercise any of the rights of shareholders in respect
  thereof unless payment of the redemption price shall not be duly made by the
  Corporation.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>4.8.6</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Issue
  of Additional Preferred Shares</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;So long as any of the Second Preferred Shares, Series Three are outstanding,
  the Corporation shall not without, but may from time to time with, the authorization
  of the holders of Second Preferred Shares, Series Three given as hereinafter
  specified, issue any additional Second Preferred Shares or create or issue any
  additional preferred shares ranking in priority to or on parity with the Second
  Preferred Shares, unless all dividends up to and including the dividend payable
  for the last completed period for which such dividends shall be payable on all
  the Second Preferred Shares, Series Three shall have been declared and paid
  or set apart for payment.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>4.8.7</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Authorization
  of Holders of Second Preferred Shares, Series Three</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;Any authorization given by the holders of Second Preferred Shares, Series
  Three shall be deemed to have been sufficiently given if it shall have been
  given by all holders of Second Preferred Shares, Series Three in writing or
  by a resolution passed at a general meeting of the holders of the Second Preferred
  Shares, Series Three duly called and held upon not less than 21 days&#146; notice
  at which the holders of at least a majority of the outstanding Second Preferred
  Shares, Series Three are present or are represented by proxy and carried by
  the affirmative vote of not less than two-thirds of the votes cast at such meeting;
  if at any such meeting the holders of a majority of the outstanding Second Preferred
  Shares, Series Three are not present or represented by proxy within one-half
  hour after the time appointed for such meeting then the meeting shall be adjourned
  to such date not less than 21 days thereafter and to such time and place as
  may be designated by the chairman, and not less than 15 days&#146; written notice
  shall be given of such adjourned meeting; at such adjourned meeting the holders
  of Second Preferred Shares, Series Three present or represented by proxy may
  transact the business for which the meeting was originally called and a resolution
  passed thereat by the affirmative vote of not less than two-thirds of the votes
  cast at such meeting shall constitute the authorization of the holders of the
  Second Preferred Shares, Series Three; on every poll taken at any such meeting
  or adjourned meeting, every holder of the Second Preferred Shares, Series Three
  shall be entitled to one vote in respect of each Second Preferred Share, Series
  Three held; subject to the foregoing, the formalities to be observed in respect
  of the giving of notice of any such meeting or adjourned meeting and the conduct
  thereof shall be those from time to time prescribed in the by-laws of the Corporation
  with respect to meetings of shareholders.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B><I>4.8.8</I></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B><I>Definitions</I></B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;In the provisions herein contained attaching to the Second Preferred Shares,
  Series Three:</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;accrued and unpaid dividends&#148; means an amount computed on the
  basis of an aggregate sum of $9.00 per share per annum as though dividends on
  each such share had been accruing on a day to day basis from, but not including,
  the date of issue of such share to, but not including, the date to which the
  computation of </FONT></P>
<P ALIGN="justify">&nbsp;</P>
<hr>
<p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;160&#150;</font></p>
<P ALIGN="justify">&nbsp;</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">accrued
  dividends is to be made after deducting all dividend payments made on such share;
  and</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;&#147;in priority to&#148; and &#147;on a parity with&#148; have reference
  to the order of priority in payment of dividends and in the distribution of
  assets in the event of any liquidation, dissolution or winding up of the Corporation,
  whether voluntary or involuntary, or other distribution of the assets of the
  Corporation among its shareholders for the purpose of winding up its affairs.</FONT>
</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B>5.</B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>CLASS
  B SHARES</B></FONT></P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
  Class B Shares shall have attached thereto, as a class, the following rights,
  privileges, restrictions and conditions:</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B>5.1</B><B></B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B></B>The
  holders thereof are not entitled to notice of or to attend or vote at any meeting
  of shareholders of the Corporation except as may be required by the <I>Canada
  Business Corporations Act</I>.</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B>5.2</B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Subject
  to the rights, privileges, restrictions and conditions attaching to shares of
  any class of the Corporation ranking prior to the Class B Shares, the holders
  thereof are entitled to receive such dividends payable in money, property, or
  by the issue of fully paid shares of the Corporation, as may be declared by
  the Board of Directors and to receive on an equal basis share for share with
  the holders of the Common Shares the remaining property of the Corporation upon
  the liquidation, dissolution or winding up thereof.</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B>5.3</B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
  Directors of the Corporation may determine at any time and from time to time,
  with respect to all or a portion of any dividend on the Class B Shares of the
  Corporation that such dividend shall be payable in money or, in the case of
  electing holders whose addresses on the books of the Corporation are in Canada,
  and in jurisdictions specified by the Directors outside Canada, by the issue
  of fully paid Class B Shares of the Corporation having a value, as determined
  by the Directors, that is substantially equivalent, as of a date or period of
  days determined by the Directors, to the cash amount of such dividend, provided
  that the Directors may (but need not) value the Class B Shares to be issued
  in payment of the dividend at a discount from or premium to the relevant market
  value thereof of up to 5%, in either case.</FONT> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B>5.4</B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;With
  respect to fractional shares that may result from any such stock dividend the
  Corporation shall issue to an agent for shareholders appointed by the Corporation
  a number of whole shares representing in the aggregate the fractional shares
  of all electing shareholders unless the Directors of the Corporation otherwise
  determine, for instance by the payment of cash in lieu of fraction of share
  interests that may result from any such stock dividend. In any event, no certificates
  representing fraction of share interests will be issued by the Corporation.</FONT>
</P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B>5.5</B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A
  holder of Class B Shares shall have the right, at his option, to convert at
  any time and from time to time, subject to the terms and provisions hereof,
  all or part of his Class B Shares into Common Shares, on the basis of one Common
  Share for each Class B Share. The conversion of Class B Shares may be effected
  by surrender of the certificate or certificates representing the same at any
  time during usual business hours at the option of the holder at the Registered
  Office of the Corporation or at any office of any transfer agent of the Corporation
  at which the Class B Shares are transferable accompanied: (1) by payment or
  evidence of payment of the tax (if any) payable as provided in this section
  5.5; and (2) by written instrument of surrender in form satisfactory to the
  Corporation duly executed by the registered holder, or his attorney duly authorized
  in writing, in which instrument such holder shall elect to convert all or part
  only of the Class B Shares represented by such certificate or certificates in
  which event the Corporation shall issue and deliver or cause to be delivered
  to such holder, at the expense of the Corporation, a new certificate representing
  the Class B Shares represented by such certificate or certificates which have
  not been converted. The date of such surrender of certificates representing
  Class B Shares to be converted is referred to hereinafter as the &#147;Conversion
  Date&#148;. A holder of Class B Shares to be converted shall not be entitled
  to fractional shares upon conversion but shall be entitled to receive a new
  certificate representing the number of remaining Class B Shares which cannot
  be converted.</FONT> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;As promptly as practicable on or after the Conversion Date the Corporation
  shall issue and deliver, or cause to be delivered to or upon the written order
  of the holder of the Class B Shares so surrendered, a certificate or certificates
  issued in the name of, or in such name or names as may be directed by, such
  holder representing the number of fully paid and non-assessable Common Shares
  and the number of remaining Class B </font></P>
<P ALIGN="justify">&nbsp;</P>
<hr>
<p align="center"><font size="2" face="Arial, Helvetica, sans-serif">&#150;161&#150;</font></p>
<P ALIGN="justify">&nbsp;</P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">Shares,
  if any, to which such holder is entitled. Such conversion shall be deemed to
  have been made at the close of business on the Conversion Date, so that the
  rights of the holder of such Class B Shares as the holder thereof shall cease
  at such time and the person or persons entitled to receive Common Shares upon
  such conversion shall be treated for all purposes as having become the holder
  or holders of record of such Class B Shares at such time.</font> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The registered holder of any Class B Share on the record date for any
  dividend declared payable on such share shall be entitled to such dividend notwithstanding
  that such share is converted after such record date and before the payment date
  of such dividend.</font> </P>
<P ALIGN="justify"><font size="2" face="Arial, Helvetica, sans-serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
  &nbsp;The issuance of certificates for Common Shares upon the conversion of
  Class B Shares shall be made without charge to the converting holders of Class
  B Shares for any fee or tax in respect of the issuance of such certificates
  or the Common Shares represented thereby; provided, however, that the Corporation
  shall not be required to pay any tax which may be imposed upon the person or
  persons to whom such Common Shares are issued in respect of the issuance of
  such Common Shares or the certificates therefor or which may be payable in respect
  of any transfer involved in the issuance and delivery of any such certificate
  in a name or names other than that of the holder of the Class B Shares converted,
  and the Corporation shall not be required to issue or deliver such certificate
  unless the person or persons requesting the issuance thereof shall have paid
  to the Corporation the amount of such tax or shall have established to the satisfaction
  of the Corporation that such tax has been paid.</font> </P>
<P ALIGN="justify"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><B>5.6</B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In
  respect of the declaration and payment of dividends and upon the liquidation,
  dissolution or winding up of the Corporation the Class B Shares shall rank <I>pari
  passu</I> with the Common Shares of the Corporation.</FONT> </P>
<p>&nbsp;</p>
<hr width="100%" size=4 color=GRAY noshade>
<p>&nbsp;</p>
<P ALIGN="center"><FONT FACE="Times New Roman, Times, Serif"><FONT SIZE="3"><B><font size="2" face="Arial, Helvetica, sans-serif">SIGNATURE</font></B></FONT></FONT></P>
<font size="2" face="Arial, Helvetica, sans-serif"> </font>
<p>&nbsp;</p>
<P ALIGN="LEFT"><FONT size="2" FACE="Arial, Helvetica, sans-serif">Pursuant to
  the requirements of the Securities Exchange Act of 1934, the Registrant has
  duly caused this report to be signed on its behalf by the undersigned, thereunto
  duly authorized.</FONT></P>
<P ALIGN="LEFT">&nbsp;</P>
<P ALIGN="LEFT">&nbsp;</P>
<table width="100%" border="0" cellpadding="0" cellspacing="0">
  <tr>
    <td width="45%">&nbsp;</td>
    <td width="45%"><FONT size="2" FACE="Arial, Helvetica, sans-serif"><b>BCE
      Inc. </b></FONT></td>
    <td width="10%">&nbsp;</td>
  </tr>
  <tr>
    <td width="45%"> <p>&nbsp;</p>
      <p>&nbsp;</p>
      <p>&nbsp;</p></td>
    <td width="45%" valign="bottom"><font size="2" face="Arial, Helvetica, sans-serif">(signed)
      Patricia A. Olah<br>
      </font> <hr width=100% size=1 color=BLACK noshade> </td>
    <td width="10%"><font size="2" face="Arial, Helvetica, sans-serif"><br>
      <br>
      <br>
      <br>
      <br>
      </font> </td>
  </tr>
  <tr>
    <td width="45%">&nbsp;</td>
    <td width="45%"><FONT size="2" FACE="Arial, Helvetica, sans-serif">Patricia
      A. Olah<br>
      Corporate Secretary</FONT></td>
    <td width="10%">&nbsp;</td>
  </tr>
  <tr>
    <td width="45%">&nbsp;</td>
    <td width="45%" valign="bottom"><font size="2" face="Arial, Helvetica, sans-serif">Date:
      March 11, 2005</font></td>
    <td width="10%"><font size="2" face="Arial, Helvetica, sans-serif"><br>
      <br>
      <br>
      </font></td>
  </tr>
</table>
<p>&nbsp;</p>
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<p>&nbsp;</p>
<p>&nbsp;</p>
<p>&nbsp;</p>
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